topic Re: Early Exclusions in Rebuilding Your Credit

Early Exclusions

Queen_Etherea — Wed, 15 Aug 2018 20:06:45 GMT

Has anyone had any luck with getting old accounts off their reports early? I was looking around on this forum and saw a couple of people mention that TU will do it 6 months early and EX 3 months and that EQ usually doesn't. I have 5 accounts that should drop off in Oct, Nov, and Dec of this year, so I thought I'd give it a shot and call them.

Started with Transunion, who said they can't add or delete anything from my report, all they could do was dispute the account as too old to be on the report, and it's up to the company who placed it on my report. I honestly didn't even bother to call Experian and thought I'd ask on here first.

Is this what I should do? Do I need to dispute the accounts as too old? From what I read on other posts, they made it seem like Transunion and Experian would just delete these things right away. A few people said they called and whoever they spoke to just deleted it for them. All 5 of these accounts are under the "potentially negative" portion of my report and every single one of them shows a late payment of 120+ days for like a few years. All of them are from a student loan that got bounced around to different agencies before they finally just garnished my wages and got all the money back. I feel like getting these off my report will help tremendously because I don't have any other late payments, but I do have 2 accounts in collections. One will fall off next month, and one next year. Other than that, my CU is at 60%, which should be at 1% by next month.

Thanks for your help!

Re: Early Exclusions

dynamicvb — Wed, 15 Aug 2018 20:14:36 GMT

I'm not sure who you talked to. My understanding is you need to speak to a supervisor when you call as the first line people can't do anything. I've gotten a couple EE's from TU and I have just opened a dispute online at dispute.transunion.com. Selected Too old for the Account. Then in the comments say I am requesting an early exclusion. Both times within a couple of days the dispute was closed and the tradelines gone. I have not tried this with EX yet, but I expect them to be similar from what I've read on the forums.

With this many accounts, you will likely take a hit on your AAoA, but you are going to take it anyway when they fall off in a couple of months. I would expect those 120 lates being gone to make up for the hit because of a lowered average age, but YMMV.

Re: Early Exclusions

Queen_Etherea — Wed, 15 Aug 2018 20:28:23 GMT

@dynamicvb wrote:
I'm not sure who you talked to. My understanding is you need to speak to a supervisor when you call as the first line people can't do anything. I've gotten a couple EE's from TU and I have just opened a dispute online at dispute.transunion.com. Selected Too old for the Account. Then in the comments say I am requesting an early exclusion. Both times within a couple of days the dispute was closed and the tradelines gone. I have not tried this with EX yet, but I expect them to be similar from what I've read on the forums.

With this many accounts, you will likely take a hit on your AAoA, but you are going to take it anyway when they fall off in a couple of months. I would expect those 120 lates being gone to make up for the hit because of a lowered average age, but YMMV.

I knew I wasn't doing it right. I asked the guy to dispute all of them stating too old to be on the report. Should I call them back and have them cancel the disputes and then do it myself online? I'm like 99% sure he didn't add the line about early exclusions.

Re: Early Exclusions

dynamicvb — Wed, 15 Aug 2018 20:31:58 GMT

Good question. I'm not sure what would be the best now. I'm thinking they will just give you the exclusion anyway, but you may want to just call back and asked to update the dispute and ask them to put that statement on it. Really calling them and opening a dispute is the same as opening one online, so you should not cancel as they are already working on it.

Re: Early Exclusions

Queen_Etherea — Wed, 15 Aug 2018 20:35:58 GMT

@dynamicvb wrote:
Good question. I'm not sure what would be the best now. I'm thinking they will just give you the exclusion anyway, but you may want to just call back and asked to update the dispute and ask them to put that statement on it. Really calling them and opening a dispute is the same as opening one online, so you should not cancel as they are already working on it.

Ok I'll call back and just have them update it. I'll just do it online for the other agency. Thank you so much for your help!!

Re: Early Exclusions

Civil — Thu, 16 Aug 2018 00:05:34 GMT

I had a short sale/Foreclosure that is suppose to fly off my report in next month 9/1/18, I called all 3 CRBs in February to see if they will take if off my report early and the only one that did it was TransUnion. I believe they go by the year and not by the month...so go for it.

Re: Early Exclusions

Queen_Etherea — Thu, 16 Aug 2018 15:33:53 GMT

UPDATE:

All 5 accounts have been deleted from TransUnion!! Now just waiting on Experian.

Re: Early Exclusions

Civil — Thu, 16 Aug 2018 16:08:07 GMT

Did you send letters or called them?

Re: Early Exclusions

Queen_Etherea — Thu, 16 Aug 2018 16:54:43 GMT

I called Transunion and then just did a dispute online for Experian. The guy I talked to at Transunion said I would need to file a dispute to remove them, so I just did it online for Experian instead of calling.

Re: Early Exclusions

Anonymous — Thu, 16 Aug 2018 17:41:52 GMT

I just did what dynamicvb did and this worked for me. I hate calling places so I just do it online and see what happens. It worked for a few accounts of mine.

Re: Early Exclusions

Civil — Thu, 16 Aug 2018 18:04:51 GMT

I just called Experian and got them to remove my foreclosure early, they were the only ones left...YES. Rep said give it about 24hrs to see a change in the reports

Re: Early Exclusions

Anonymous — Thu, 16 Aug 2018 18:13:47 GMT

@Civil wrote:
I just called Experian and got them to remove my foreclosure early, they were the only ones left...YES. Rep said give it about 24hrs to see a change in the reports

How early is early? I am trying to figure out when to contact them to get some stuff removed from my file.

Re: Early Exclusions

Civil — Thu, 16 Aug 2018 18:23:51 GMT

It was reporting different in Experian compared to the others and it would of been off in November of this year. TransUnion I was able to get it off in February and Equifax took it off on the 7/1...the original account was set for 9/1

Re: Early Exclusions

Queen_Etherea — Thu, 16 Aug 2018 18:29:39 GMT

@Anonymous wrote:
@Civil wrote:
I just called Experian and got them to remove my foreclosure early, they were the only ones left...YES. Rep said give it about 24hrs to see a change in the reports
How early is early? I am trying to figure out when to contact them to get some stuff removed from my file.

From what I've gathered on thi s forum: Transunion will do it 6 months in advance, Experian 3 months, and Equifax 30 days.

Re: Early Exclusions

Queen_Etherea — Thu, 16 Aug 2018 18:30:17 GMT

@Civil wrote:
I just called Experian and got them to remove my foreclosure early, they were the only ones left...YES. Rep said give it about 24hrs to see a change in the reports

Congrats!!! I guess I should've called instead of doing the dispute online?

Re: Early Exclusions

Anonymous — Thu, 16 Aug 2018 19:24:43 GMT

@Queen_Etherea wrote:
@Anonymous wrote:
@Civil wrote:
I just called Experian and got them to remove my foreclosure early, they were the only ones left...YES. Rep said give it about 24hrs to see a change in the reports
How early is early? I am trying to figure out when to contact them to get some stuff removed from my file.
From what I've gathered on thi s forum: Transunion will do it 6 months in advance, Experian 3 months, and Equifax 30 days.

Yeah that does seem to be the case. I guess my score will skyrocket next month once I get my Chapter 13 removed from my TU account lol then the next one 3 months later then the last one 30 days after that.

Re: Early Exclusions

Civil — Thu, 16 Aug 2018 19:37:06 GMT

Thanks

Re: Early Exclusions

Civil — Fri, 17 Aug 2018 14:39:31 GMT

What sucks is I was expecting my score to jump at least 20 points with Experian....It went from 611 to 612....LOL. I did send out letters to all 3 CRBs last week for my negative reportings...We will see how that goes.

Re: Early Exclusions

Queen_Etherea — Fri, 17 Aug 2018 16:27:21 GMT

@Civil wrote:
What sucks is I was expecting my score to jump at least 20 points with Experian....It went from 611 to 612....LOL. I did send out letters to all 3 CRBs last week for my negative reportings...We will see how that goes.

Hey I'd be happy with just one point increase! Every point counts to me. Good luck!

Re: Early Exclusions

Anonymous — Fri, 17 Aug 2018 17:20:37 GMT

I had to call in for my CH13, as I couldn't see how to say "too old" on the online dispute for a Public record.