topic Re: Early Exclusion Success in Rebuilding Your Credit

Early Exclusion Success

Anonymous — Tue, 02 Jun 2015 14:21:10 GMT

I was reading these board and decided to call EX. Figured if I could get anything excluded early it was a bonus. I just started rebuilding in the past few months. I was on the phone with a wonderful young lady and had 11 of my 18 bad accounts excluded early. I have 6 more due to drop in November 1 in Octover and 1 In March and Experian will be clean. Off to try TU. Thanks to everyone for all the information.

Re: Early Exclusion Success

tld1104 — Tue, 02 Jun 2015 14:39:34 GMT

Congrats!

Re: Early Exclusion Success

lindel — Tue, 02 Jun 2015 14:48:51 GMT

Congrats! what number did you call?

Re: Early Exclusion Success

New_Beginning — Tue, 02 Jun 2015 15:14:13 GMT

Great job that's awesome!!

Re: Early Exclusion Success

Anonymous — Tue, 02 Jun 2015 15:23:33 GMT

That's fantastic. When you contact TU you can try to go as far out as baddies dropping in December.

I had one drop today scheduled for December after calling.

Just note, they call the EE process a dispute internally. It isn't actually dispute, but I've seen it scare people away when the CSR says dispute. It is simply how they refer to it internally.

Best of luck to you!!

Re: Early Exclusion Success

Anonymous — Tue, 02 Jun 2015 15:31:36 GMT

Thank you...the CSR is telling me she has to dispute with Creditor. Currently on hold for Supervisor.

Re: Early Exclusion Success

Anonymous — Tue, 02 Jun 2015 15:49:21 GMT

16 of 18 deleted from TU....Not all the accounts were the same as my TU. Been a productive day so far

Re: Early Exclusion Success

Anonymous — Tue, 02 Jun 2015 15:57:38 GMT

WOW !!! That's awesome. Great job. Were most, if not all, of these scheduled to come off by the end of this year ??? Thanks.

Re: Early Exclusion Success

Anonymous — Tue, 02 Jun 2015 17:09:07 GMT

Yes...everything for TU was scheduled to come off this year. All the EX baddies were scheduled thru October. The ladt told me to call the end of July to try for the Oct and Nov baddies. Everything I am reading says that it is basically a waste of time to try EQ. Is that right? I am looking to refi my truck later this year so I am hoping that this will help.

Re: Early Exclusion Success

Anonymous — Tue, 02 Jun 2015 17:21:44 GMT

Just got off the phone with TU and EX, they said I have to ask the creditor..

Re: Early Exclusion Success

Anonymous — Tue, 02 Jun 2015 17:25:21 GMT

EX gave me no problem...TU I had to speak to a Supervisor

Re: Early Exclusion Success

Anonymous — Tue, 02 Jun 2015 17:34:31 GMT

"you have to speak to creditor" may simply mean that they don't know what you are talking about. As you can see on many of the boards, this happens quite a bit/or you just get "no" from many of them.

Sometimes you have to call multiple times to get the right CSR to help you.

Re: Early Exclusion Success

Anonymous — Wed, 03 Jun 2015 11:12:55 GMT

Quick update....TLs were removed from EX this morning and say a 28 point increase. I haven't looked at TU yet

Re: Early Exclusion Success

Anonymous — Wed, 03 Jun 2015 11:28:33 GMT

How early were all these items

Re: Early Exclusion Success

Anonymous — Wed, 03 Jun 2015 11:41:33 GMT

EX was thru September. TU was thru December