topic Re: Small happy dance! in Rebuilding Your Credit

Small happy dance!

Anonymous — Mon, 22 Feb 2016 23:33:56 GMT

Hubby has (had) 3 collections on reports. One was DISH and was on all reports with it reporting twice on one report from two different COs. We contacted DISH and paid them. Today it disappeared with a nice 20+ bump. The other one is with Comcast and we plan to do the same next month with hopefully the same result.

I have one collection still on my EQ. I'm calling them tomorrow and ask for an EE. It's scheduled to drop off in June. Fingers crossed.

Re: Small happy dance!

trnl2016 — Mon, 22 Feb 2016 23:52:03 GMT

Nice, best of luck!

Re: Small happy dance!

gdale6 — Tue, 23 Feb 2016 03:26:54 GMT

Grats and good luck

Re: Small happy dance!

Anonymous — Tue, 23 Feb 2016 03:59:25 GMT

EE means?

Re: Small happy dance!

Anonymous — Tue, 23 Feb 2016 11:06:30 GMT

EE means early exclusion. If a baddie is near the exclusion date you can request to have it removed. TU will do it up to 6 months early, EX about 2 months, and EQ 1 month

Re: Small happy dance!

Anonymous — Tue, 23 Feb 2016 14:16:18 GMT

@Anonymous wrote:
EE means early exclusion. If a baddie is near the exclusion date you can request to have it removed. TU will do it up to 6 months early, EX about 2 months, and EQ 1 month

A CS supervisor a EQ told me that the estimated date of removal was already -3mths from the actual 7yr final date and that the best I could expect was maybe to get that off 1 month earlier than their estimated date. Still trying with a June '16 estimated CO.

I found those dates on my annualcreditreport.com full reports.

Re: Small happy dance!

Anonymous — Tue, 23 Feb 2016 21:45:03 GMT

skybuilder wrote:

rmduhon27 wrote:
EE means early exclusion. If a baddie is near the exclusion date you can request to have it removed. TU will do it up to 6 months early, EX about 2 months, and EQ 1 month

I found those dates on my annualcreditreport.com full reports.

skybuilder - that's basically what I got when I called today. So I have my calandar marked to call again the first of May. I also noticed that I had an alert of my file with EQ not to get promo offers. I had him remove that.

Re: Small happy dance!

Anonymous — Tue, 23 Feb 2016 21:50:25 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
EE means early exclusion. If a baddie is near the exclusion date you can request to have it removed. TU will do it up to 6 months early, EX about 2 months, and EQ 1 month
A CS supervisor a EQ told me that the estimated date of removal was already -3mths from the actual 7yr final date and that the best I could expect was maybe to get that off 1 month earlier than their estimated date. Still trying with a June '16 estimated CO.

I found those dates on my annualcreditreport.com full reports.
skybuilder - that's basically what I got when I called today. So I have my calandar marked to call again the first of May. I also noticed that I had an alert of my file with EQ not to get promo offers. I had him remove that.

Yep, TU removed it last month so 10mths early and 7mths from their estimated date. EX is said to be the next easiest but it'll still only be a couple of mths off and then EQ comes in last. Got to work with what they'll give you but I'm staying on top of mine all the time.

Re: Small happy dance!

Anonymous — Tue, 01 Mar 2016 18:31:51 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
EE means early exclusion. If a baddie is near the exclusion date you can request to have it removed. TU will do it up to 6 months early, EX about 2 months, and EQ 1 month
A CS supervisor a EQ told me that the estimated date of removal was already -3mths from the actual 7yr final date and that the best I could expect was maybe to get that off 1 month earlier than their estimated date. Still trying with a June '16 estimated CO.

I found those dates on my annualcreditreport.com full reports.
skybuilder - that's basically what I got when I called today. So I have my calandar marked to call again the first of May. I also noticed that I had an alert of my file with EQ not to get promo offers. I had him remove that.

Change that small happy dance in the subject line to a big happy dance. I checked this morning and even though EQ guy said no to an EE last week on the only baddie I had left, it disappeared. So at least, TU & EQ are now clean. Took an 18 point hit, but that's ok. New CU Visa should be arriving early next week. We'll run household expenses through it and should start seeing some good things happening.

Re: Small happy dance!

Anonymous — Tue, 01 Mar 2016 20:27:35 GMT

Wish the CS I talked to were like this. Still have one to drop off in June and they won't budge.

Re: Small happy dance!

Anonymous — Tue, 01 Mar 2016 21:06:29 GMT

@Anonymous wrote:
Wish the CS I talked to were like this. Still have one to drop off in June and they won't budge.

Maybe you will get surprised. I was sure after talking to him last week that nothing would happen until I called back in May. It was scheduled to drop off in June.

Re: Small happy dance!

Anonymous — Wed, 02 Mar 2016 00:07:32 GMT

Congratulations OP! EQ is really hard so you did well to get them to take it off this early. I haven't been able to get them to take mine off and it comes off in April. I'm going to give them another shot tomorrow, but I've heard they are real sticklers so I'm not holding out much hope.

Re: Small happy dance!

Anonymous — Mon, 07 Mar 2016 21:04:03 GMT

Congrats. And let us know what happens with Comcast. As of right now they told me to pay and they will delete through the CA and now they are saying they will only say paid on the report with no delete. Let us know if you have luck with them.

Re: Small happy dance!

Anonymous — Mon, 07 Mar 2016 21:12:13 GMT

Funny you should post about that. I just got off the phone with both Comcast and Stellar. And I still have $59.00 that no one wants to take. Comcast found the old bill. He gave me the account number. I didn't pay him because, well it's Comcast and we still didn't think we owed it. In this case. I would so rather deal with Stellar. So I called them. I gave the very nice Zachary that account number. He verified it twice and could not come up with an account. His supervisor tried and still no go. But he suggested calling all three CRAs and telling them what has transpired. So I will do that tomorrow. There's some number probably wrong somewhere, but maybe I can just get it deleted.

Re: Small happy dance!

Anonymous — Tue, 08 Mar 2016 10:34:20 GMT

@Anonymous wrote:
Funny you should post about that. I just got off the phone with both Comcast and Stellar. And I still have $59.00 that no one wants to take. Comcast found the old bill. He gave me the account number. I didn't pay him because, well it's Comcast and we still didn't think we owed it. In this case. I would so rather deal with Stellar. So I called them. I gave the very nice Zachary that account number. He verified it twice and could not come up with an account. His supervisor tried and still no go. But he suggested calling all three CRAs and telling them what has transpired. So I will do that tomorrow. There's some number probably wrong somewhere, but maybe I can just get it deleted.

Deletion for wrong info is a legitimate request and it should get deleted for that alone.