topic Re: VERY early exclusion from Transunion in General Credit Topics

VERY early exclusion from Transunion

Score_Chaser — Sat, 04 Nov 2023 06:33:02 GMT

I have read multiple results on here about early exclusions from Transunion and wanted to share my results.

I had 1 Paid Collections left on Transunion that has been paid for a couple of years set to be removed on 12/25.

On 10/29/23 I signed into Transunion (online) and started a dispute, Filled it out as follows.

Account is inaccurate

Too Old

"Comments" Requesting Early Exclusion

I got the message that the investigation has started and thought well thats not good as I have read that most get deleted instantly (it was worth a try). Then, Yesterday 11/3/23 I recieved an email that my results are in. I logged in to view the results and what do you know it has been deleted from my file.

2 YEARS EARLY!

Cant wait for the next update

Re: VERY early exclusion from Transunion

FireMedic1 — Sat, 04 Nov 2023 07:46:56 GMT

Congrats!

Re: VERY early exclusion from Transunion

Creditwiser — Sat, 04 Nov 2023 12:06:49 GMT

Pretty cool ! Congrats on your success !

Re: VERY early exclusion from Transunion

JoeRockhead — Sat, 04 Nov 2023 12:08:16 GMT

Nice, congratulations!!

Re: VERY early exclusion from Transunion

Rogue46 — Sat, 04 Nov 2023 14:07:23 GMT

Congrats to you!

Re: VERY early exclusion from Transunion

Rebuild2019 — Sat, 04 Nov 2023 14:27:07 GMT

Congratulations @Score_Chaser 🎉🎉

Re: VERY early exclusion from Transunion

finallyfree — Sat, 04 Nov 2023 15:03:14 GMT

Wow! That's great! Congratulations!!!

Re: VERY early exclusion from Transunion

Blender — Sat, 04 Nov 2023 19:28:30 GMT

@Score_Chaser wrote:
I have read multiple results on here about early exclusions from Transunion and wanted to share my results.

I had 1 Paid Collections left on Transunion that has been paid for a couple of years set to be removed on 12/25.

On 10/29/23 I signed into Transunion (online) and started a dispute, Filled it out as follows.
Account is inaccurate
Too Old
"Comments" Requesting Early Exclusion

I got the message that the investigation has started and thought well thats not good as I have read that most get deleted instantly (it was worth a try). Then, Yesterday 11/3/23 I recieved an email that my results are in. I logged in to view the results and what do you know it has been deleted from my file.

2 YEARS EARLY!

Cant wait for the next update

Somebody F'd up 😂

But congratulations @Score_Chaser thats awesome! I just had an ERC collection removed as well, and I had another in the past that was also deleted 7 months early. I wonder if this might work for my final remaing collection account 🤔

Re: VERY early exclusion from Transunion

Score_Chaser — Sun, 05 Nov 2023 09:57:37 GMT

Thank you everyone!

I owe it all to the members on this forum! I have learned so much from you guys.

Again, Thank you

Re: VERY early exclusion from Transunion

M_Smart007 — Sun, 05 Nov 2023 21:24:58 GMT

Congratulations on your EE from TU 🥳

Re: VERY early exclusion from Transunion

Jeffster1 — Mon, 06 Nov 2023 03:16:43 GMT

Congrats!

Re: VERY early exclusion from Transunion

Junejer — Mon, 06 Nov 2023 18:49:14 GMT

Congrats on your EE

Re: VERY early exclusion from Transunion

Skillz773 — Tue, 02 Jan 2024 09:21:31 GMT

As of 01/02/24 this method still works. Did it through credit karma instantly deleted.

Re: VERY early exclusion from Transunion

iowe — Thu, 04 Jan 2024 16:03:09 GMT

Congrats!

I actually had success getting an old consumer finance account removed with an Early Exclusion request through Credit Karma about 18 months before it was scheduled to age off. It was the only somewhat negative thing on my reports because I kept getting dinged points for the Consumer Finance Account being on there even though it was a paid-never late account in good standing. It literally took 45 minutes from the time I pressed the submit button and the time I checked to find that Transunion removed it. I think Transunion has made it easier than it used to be.

Re: VERY early exclusion from Transunion

911gt34life — Sat, 06 Jan 2024 02:04:12 GMT

@Skillz773 wrote:
As of 01/02/24 this method still works. Did it through credit karma instantly deleted.

How does it work on credit karma ?

Re: VERY early exclusion from Transunion

Skillz773 — Sat, 06 Jan 2024 02:13:20 GMT

Re: VERY early exclusion from Transunion

Skillz773 — Sat, 06 Jan 2024 02:12:38 GMT

@911gt34life wrote:
@Skillz773 wrote:
As of 01/02/24 this method still works. Did it through credit karma instantly deleted.
How does it work on credit karma ?

Click on account then at bottom click dispute. Under reason drop down box select account too old nothing in second drop down. In notes enter This is not a dispute. I am requesting early exclusion and it'll be deleted minutes

Re: VERY early exclusion from Transunion

CYBERSAM — Sat, 06 Jan 2024 03:28:37 GMT

wow awesome! Congrats 👍

I always thought they should remove non BK negatives after 5 years like they do in NY

Re: VERY early exclusion from Transunion

Ant — Thu, 01 Feb 2024 15:24:27 GMT

I just got 2 Dept ED /NelNet accounts removed with early exclusion on Transunion. They were to be removed on 8/24 and I called in in January and they said call back Feb 1 2024 and they would do the early exclusion. I called back this morning and the first line of phone answering reps said I had to do a dispute but that it wouldn't come off until 8/24. I explained that I'd like to just get transfered to a supervisor. She insisted the supervisor would tell me the same thing she said that it will come off 8/24 and that there was no early exclusion. I insisted that she transfer me so she did. Supervisor got on and I explained what I wanted to happen with early exclusion and within 30 seconds was done. FInally. Still shows on Equfax but may have to wait that one out. I also had a BK in 11/ 2019 (to come off 10/2029). I got it removed from Equifax first in 2022, then Lexis Nexis and Experian in October 2023. Only Negative left is the BK on TU which I currently am still disputing. SHould be a few more months. They use LexisNexis for reporting again and LN does not show it. Got a letter from LexisNexis stating they could not verify the BK with Pacer and considered it unverifiable and they deleted it.

Re: VERY early exclusion from Transunion

butterpecan — Mon, 29 Apr 2024 00:05:18 GMT

@CYBERSAM wrote:
wow awesome! Congrats 👍
I always thought they should remove non BK negatives after 5 years like they do in NY

@CYBERSAM What, to be more specific, do they remove at 5 years for NY? I have a Kohl's charge off due to fall off in January 2025. I'd love it to be gone now. I have no BK, but baddies are bad nonetheless. Thanks in advance.