Wording an EE request with TU?

Anonymous · ‎06-15-2015

All 4 of my remaining Baddies are due to fall off in the next 6 months according to my TU report. I'd like to see waht my world looks like without them sooner though. If I call and discuss this with a rep, what do I ask for? I don't want to seem like a degenerate and get roadblocked. Any success stories? Especially around getting a few accounts EE'd at a time?

Anonymous · ‎06-15-2015

I had 2 removed from TU and honestly you can call them. I did and both times they was like "sure your wanting to remove an account due to age requirements?" I said yes and they looked into and few weeks later presto! Gone. Transunion is the easiest to work with in my opinion.

SunriseEarth · ‎06-15-2015

When I called, I said that I had accounts that were due to be excluded in the near future and then asked if they could be excluded from my reports now.

Anonymous · ‎06-15-2015

You can call as advised above or you can get online and go to the dispute page and check the box "too old to report" then type in the box "not disputing, just requesting early removal"

Anonymous · ‎06-16-2015

update for anyone interested!

I did an online dispute, checked 'too old' and put in comments that I wasnt disputing just cordially requesting early exclusion. Got a message saying it requires manual review. 3 hours later i log in again to see if that was just a glitch, and results are in, all items were removed!

Can't wait for that score update in the next few weeks!!!

TRC_WA · ‎06-16-2015

twalsh0625 wrote:
update for anyone interested!

I did an online dispute, checked 'too old' and put in comments that I wasnt disputing just cordially requesting early exclusion. Got a message saying it requires manual review. 3 hours later i log in again to see if that was just a glitch, and results are in, all items were removed!

Can't wait for that score update in the next few weeks!!!

That's the same approach I'm going to take in October when I'll be 6 months from my 4/1/2016 7 year falloff date for my Ch 13 and all the IIB accounts.

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24

Anonymous · ‎06-16-2015

I called TU yesterday about getting some things removed from my credit report, one expires in 3 days and the others in 6 months. I was turned down over the phone so I might try this option! Thanks!