topic Re: EQ Early Exclusion...Advice? in General Credit Topics

EQ Early Exclusion...Advice?

C-Hawk — Fri, 08 Oct 2021 17:39:26 GMT

My husband and I are applying for a home loan next week, we have an appointment on Tuesday. The only "baddie" is a car loan from NFCU. He successfully had EE with Experian. He's calling Tranusnion now, that leaves Equifax.

I've read some bad reviews regarding EQ's EE, any tips? Ask for a supervisor, offer our first born?

Credit reports state that the DofD was 1/2015, however, the vehicle was totalled in March of 2014, USAA sent a payment on 9/14/2014. We made no additional payments. I'm not sure if we should ask for EE with EQ or provide the last payment information in a dispute.

My thought is to attempt EE, if that doesn't work then go forward with a dispute, but I don't know how that works with a mortgage application.

A side note, in less than a year my credit scores (Fico) have gone up over 200 points. Hubby's +120 right now, hopefully another +40 with the EE and his utilization updating this week, from 58% to 1%. We couldn't have done it without the forums. So, thanks so much to everyone

Re: EQ Early Exclusion...Advice?

FinStar — Fri, 08 Oct 2021 18:36:41 GMT

Based on the reports I've come across, I wouldn't attempt EE with EQ.

TU and EX seem to work just fine in a variety of cases, but EQ will mess things up -- so keep your first born. Best to leave things alone given the short time window for your mortgage application or you'll likely be spending a lot of time trying to fix things with EQ. Just do a search on here (or the Rebuilding Your Credit subforum) for some DPs on EE EQ.

I'm sure other members will likely chime in.

Re: EQ Early Exclusion...Advice?

CreditInspired — Sat, 09 Oct 2021 10:44:56 GMT

^^^ this

In addition, don't dispute anything before applying for a mortgage. Lenders don't like this and will ask you to have it removed/resolved.