topic Re: Early Exclusion in Bankruptcy

Early Exclusion

supra24 — Wed, 07 Sep 2022 22:49:26 GMT

I am 6 months away from my Ch13 being completely off of my credit reports, and I thought I'd try to call TU since some people have had luck with getting an EE. I called and the guy told me they don't do that basically and that it's illegal? Any thoughts? And has someone done this recently with success?

Re: Early Exclusion

FLLGuy — Thu, 08 Sep 2022 01:20:35 GMT

I've read a mixed bag of either (1) the call in a few times until they get someone like a supervisor that's willing to listen which rates a pretty low probability. (2) Folks have posted on here going about it through an online-dispute with something to the effect of too old to report or something like that. If you do a search on here with the following "EE+TU+BK" i'm sure you'll get some of the most recent entries.

I"m still 3 - 4 months away before I can try TU EE. Best wishes.

Re: Early Exclusion

FireMedic1 — Thu, 08 Sep 2022 10:25:22 GMT

Its 50/50. TU does drop things on their own early lately. Try again and ask for a super. Good Luck!

Re: Early Exclusion

srloring13 — Tue, 22 Nov 2022 01:16:52 GMT

I requested EE online with Transunion on 11/04/22 and within 30 minutes it was removed. I requested EE online with Experian on 11/05/22 and it was deleted today. My Chapter 7 BK was set to fall off February 2023.

Re: Early Exclusion

FLLGuy — Tue, 29 Nov 2022 02:58:42 GMT

@supra24 - Did you finally get a chance to EE w/TU ?

Re: Early Exclusion

Tooktime — Wed, 25 Jan 2023 16:26:19 GMT

I was able to do it with Transunion. It wasn't simple as I was told no twice but it was gone as soon as I hung up the phone.

Re: Early Exclusion

drewricomakeubu — Sun, 29 Jan 2023 20:14:00 GMT

@srloring13 wrote:
I requested EE online with Transunion on 11/04/22 and within 30 minutes it was removed. I requested EE online with Experian on 11/05/22 and it was deleted today. My Chapter 7 BK was set to fall off February 2023.

Was the BK set to fall off EX in Feb with the 3 months built in from DOFD or was that 7 years from DOFD. What was your wording with EX when you requested from EX online?

Re: Early Exclusion

TRC_WA — Mon, 30 Jan 2023 18:17:52 GMT

My 7 year filing date is 2/24... 7 year DoFD on a lot of my baddies is 8/23... looking forward to EE in the coming months.

Re: Early Exclusion

srloring13 — Mon, 30 Jan 2023 21:22:03 GMT

February 2023 was 10 years from my February 25, 2013 filing date for the Chapter 7.

If memory serves, I selected too old to report and in the additional details/comment section I notated "This is not a dispute. I am requesting an early removal since its due to fall off shortly"