What's the earliest you've gotten TU to do EE?

[gdale6]

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@dallasareaguy wrote:

The EE only works on accounts with zero balances right? Not items that are 6-6.5 years with a balance still remaining right?

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It can be used on both, the creditor is not involved in making the decision. The CRA is responsible for excluding items at the appropriate time.

[Anonymous]

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@dallasareaguy wrote:

The EE only works on accounts with zero balances right? Not items that are 6-6.5 years with a balance still remaining right?

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I had two CO's with a non-zero balance and TU deleted both about 5 months before the 7 year mark.

Best of luck!

[Anonymous]

Good luck!

[Anonymous]

I had 2 that were within 6 months.  They excluded those.  Then i had 3 more that were near a year to fall off.  I asked nicely and those were dropped.  I'm sure I got super lucky on those last three.

[Anonymous]

I have three due to fall off between November this year (1) and 2 of next year around march. Please tell me my chances on this. This would help so much as I plan on getting a car in janurary and this is the main thing holding me back.

Which # should I call and what should I say other than my main request?

[Anonymous]

How long do you have to wait for deletion after the very last missed payment? is it 7 years or 7½ years?

[Anonymous]

Reporting back as I said I would - no dice on the early exclusion yet. The first person I talked to had no idea what I was talking about and kept saying they would have to verify the information with the creditor. I asked for a supervisor at that point. He knew exactly what I wanted but said I would have to wait until 6 months out and to call back in October. Ah well it was worth a shot.

[Anonymous]

My judgement is falling off in March. Tu told me to call in September. Try again in September. 😊

[Anonymous]

I have one falling off in 5 months. Called TU they said they can't take it off now but they can dispute it. I said no. Should I try calling back and getting another person?

[Anonymous]

Yes ask for a supervisor. Cs will always enter it as a dispute.