topic Should I try for TU Early Exclusion? in Rebuilding Your Credit

Should I try for TU Early Exclusion?

MrCrabs — Sat, 09 Feb 2019 11:47:47 GMT

I have 3 baddies left & one(ambulance bill) is set to fall off in 4 months & I have heard TU will do EE up to 6 months out, so wondering what you guys think, should I just leave well enough alone and let it fall off naturally or try to get it gone now? Also what is the best # to call to reach out to ask for EE? Their website I am not sure how to navigate to ask for EE, as it all seems to be geared towards credit monitoring services than disputing(or in this case asking for EE) reports.

Re: Should I try for TU Early Exclusion?

Anonymous — Sat, 09 Feb 2019 13:00:46 GMT

@MrCrabs wrote:
I have 3 baddies left & one(ambulance bill) is set to fall off in 4 months & I have heard TU will do EE up to 6 months out, so wondering what you guys think, should I just leave well enough alone and let it fall off naturally or try to get it gone now? Also what is the best # to call to reach out to ask for EE? Their website I am not sure how to navigate to ask for EE, as it all seems to be geared towards credit monitoring services than disputing(or in this case asking for EE) reports.

I just did one online yesterday and in less than two hours was deleted from my account. Mine was to be deleted from my credit report on June 2019

Opened a dispute online at dispute.transunion.com, select "Too old for the Account to be on your report", then in the comments say "I am requesting an early exclusion"

Re: Should I try for TU Early Exclusion?

Anonymous — Sat, 09 Feb 2019 13:37:37 GMT

I simply called the number on their website. I told the CSR who answered “I’m calling to request an early exclusion on a tradeline, and I understand only a supervisor has the ability in the system to do so. Could I please speak with one?” I was immediately transferred over. I explained what was going on to the supervisor and gave them the CA name and account number from my TU report. They put me on hold for a couple minutes to verify, then came back and said “No problem, it’s now gone. I will mail out a print copy of your updated report showing deletion of the tradeline” and that was that. I’ve done it twice now and I think the longer of the two calls was about 11 minutes. Very pleasant people and an easy experience.

Re: Should I try for TU Early Exclusion?

MrCrabs — Sat, 09 Feb 2019 14:47:42 GMT

Thanks both of you, I made an online account and there are buttons next to my tradelines that say "Request An Investigation" is that what you hit to ask for EE? "Request an investigation" sounds pretty serious so I don't want to hit that if that's not the right place.

Re: Should I try for TU Early Exclusion?

dynamicvb — Sat, 09 Feb 2019 19:17:14 GMT

@MrCrabs wrote:
Thanks both of you, I made an online account and there are buttons next to my tradelines that say "Request An Investigation" is that what you hit to ask for EE? "Request an investigation" sounds pretty serious so I don't want to hit that if that's not the right place.

That is opening a dispute and what you need. Select too old and in the comments say you are requesting an early exclusion. TU is the easiest by far to get these.

Re: Should I try for TU Early Exclusion?

MrCrabs — Sat, 09 Feb 2019 19:18:54 GMT

Just got notification they deleted it for me!

Re: Should I try for TU Early Exclusion?

dynamicvb — Sat, 09 Feb 2019 19:23:04 GMT

Congrats, that was really quick. I figured you would have at least wait until Monday.

Re: Should I try for TU Early Exclusion?

MrCrabs — Sat, 09 Feb 2019 19:33:57 GMT

@dynamicvb wrote:
Congrats, that was really quick. I figured you would have at least wait until Monday.

Thanks & same here, I didn't expect it to happen during the weekend, I also had to delete some addresses that I have never lived at too, which has me worried if people have been trying to steal my identity. I have no idea why these weird addresses were on my file.