topic Re: Equifax and Date of First Delinquency; Early Exclusion in General Credit Topics

Equifax and Date of First Delinquency; Early Exclusion

HappyGoLucky4U — Tue, 01 Dec 2020 18:07:24 GMT

On my Equifax report, I have a charge off that has the "Date of First Delinquency: January 1, 2014". Will this charge off fall off my report on January 1, 2021? Is it worth trying to get an early exclusion from Equifax? Thank you.

Re: Equifax and Date of First Delinquency; Early Exclusion

blindambition — Tue, 01 Dec 2020 18:16:23 GMT

It can be 7 years plus 180 days, but most often removed at 7 year mark, so yes Jan 2021. Don't EE Equifax, they're notorious for screwing up. Let it fall off in January.

Re: Equifax and Date of First Delinquency; Early Exclusion

Doodlebug30 — Tue, 01 Dec 2020 19:50:11 GMT

Your SO CLOSE... I would not poke the bear!! Just let it fall off in January for sure!

Re: Equifax and Date of First Delinquency; Early Exclusion

Mr_Mojo_Risin — Tue, 01 Dec 2020 20:21:39 GMT

Yeah you're better off letting it fall off on it's own. I've read some bad threads about EQ screwing it up.

Early congrats on the removal! That 7 years drags on and on!

Re: Equifax and Date of First Delinquency; Early Exclusion

RobertEG — Wed, 02 Dec 2020 00:24:23 GMT

I would only request an early exclusion IF you have some compelling need to apply for new credit, and thus need your score improvement, within the next few weeks.

Otherwise, getting an early exclusion, and thus any associated score improvement, would be purely academic, and lkely not worth the time and risk of messing with the CRA...............

Re: Equifax and Date of First Delinquency; Early Exclusion

Anonymous — Wed, 02 Dec 2020 02:51:20 GMT

@HappyGoLucky4U wrote:
On my Equifax report, I have a charge off that has the "Date of First Delinquency: January 1, 2014". Will this charge off fall off my report on January 1, 2021? Is it worth trying to get an early exclusion from Equifax? Thank you.

Everything with 1/2014 "date of first delinquency" has fallen off of mine and SO's EQ CRs as of 12/1/2020. I would pull your CR from annual credit report, for free (no scores). I can almost bet that it is already gone. EQ usually drops 1 month prior to the month given for the "date of first delinquency".

I would never mess with EQ for EE. Let that beast be. I have seen some awful and some irreparable damage done by attempting it. While it works for some, it is a huge gamble, and can go either way.

Re: Equifax and Date of First Delinquency; Early Exclusion

M_Smart007 — Wed, 02 Dec 2020 16:13:50 GMT

@blindambition wrote:
It can be 7 years plus 180 days, but most often removed at 7 year mark, so yes Jan 2021. Don't EE Equifax, they're notorious for screwing up. Let it fall off in January.

+100

Re: Equifax and Date of First Delinquency; Early Exclusion

JoeLuvsHisCredit — Wed, 02 Dec 2020 17:15:22 GMT

@M_Smart007 wrote:
@blindambition wrote:
It can be 7 years plus 180 days, but most often removed at 7 year mark, so yes Jan 2021. Don't EE Equifax, they're notorious for screwing up. Let it fall off in January.
+100

+1000000000000000000000000000000000000000000000000000000000000000000000

Re: Equifax and Date of First Delinquency; Early Exclusion

HappyGoLucky4U — Wed, 02 Dec 2020 22:55:08 GMT

You were spot on! It did drop off my report. Thank you for sharing your insight

Re: Equifax and Date of First Delinquency; Early Exclusion

Anonymous — Wed, 02 Dec 2020 23:07:15 GMT

@HappyGoLucky4U wrote:
You were spot on! It did drop off my report. Thank you for sharing your insight

Awesome!

I am so glad it is gone! Congrats!