topic Re: Clarify Early exclusion- pls in Rebuilding Your Credit

Clarify Early exclusion- pls

Anonymous — Fri, 07 Feb 2020 04:34:32 GMT

Hi everyone!

Im kinda bored since I'm lightweight gardening until...sometime later this year.

I've definitely read a lot of posts. Please clarify is EE the removal of only the late payment or the entire account? Like many, I have student loans that are late and am getting ants in my pants for them to fall off. Delinquencies from 12/2013 & 10/2014. Both are paid (transferred), new loan is current.

Re: Clarify Early exclusion- pls

Azuieldrago — Fri, 07 Feb 2020 05:52:04 GMT

@Anonymous wrote:
Hi everyone!
Im kinda bored since I'm lightweight gardening until...sometime later this year.

I've definitely read a lot of posts. Please clarify is EE the removal of only the late payment or the entire account? Like many, I have student loans that are late and am getting ants in my pants for them to fall off. Delinquencies from 12/2013 & 10/2014. Both are paid (transferred), new loan is current.

Yes, it is the removal of what is in question. Each reporting has their own time frame. I believe its 6, 3 and 1 month. Still have a bit to go before you can get those off.

Re: Clarify Early exclusion- pls

FireMedic1 — Fri, 07 Feb 2020 10:08:54 GMT

TU - 6 months early
EX - 3 months early
EQ - 30 days early, but don’t do it. They'll mess it up.

Good Luck!

Re: Clarify Early exclusion- pls

Shawn19AL — Fri, 07 Feb 2020 11:04:54 GMT

@firemedic1

can you clarify what you mean about EQ?

Re: Clarify Early exclusion- pls

Anonymous — Fri, 07 Feb 2020 14:37:14 GMT

@Shawn19AL wrote:
@firemedic1

can you clarify what you mean about EQ?

Most mechanics, when you ask them to replace a broken sensor, will replace the sensor, clean a few things up, and provide you with an invoice for replacing the sensor.

Mechanics at Equifax, when asked to change the oil in your car, will very likely remove the rear axle, provide you with an invoice for replacing the windshield, and then expect you to thank them.

Best analogy I can come up with, sorry.

Re: Clarify Early exclusion- pls

Azuieldrago — Fri, 07 Feb 2020 15:08:44 GMT

@Anonymous wrote:
@Shawn19AL wrote:
@firemedic1

can you clarify what you mean about EQ?
Most mechanics, when you ask them to replace a broken sensor, will replace the sensor, clean a few things up, and provide you with an invoice for replacing the sensor.

Mechanics at Equifax, when asked to change the oil in your car, will very likely remove the rear axle, provide you with an invoice for replacing the windshield, and then expect you to thank them.

Best analogy I can come up with, sorry.

Hey now, I am a mechanic. LOL.

Re: Clarify Early exclusion- pls

Anonymous — Fri, 07 Feb 2020 15:40:33 GMT

@Azuieldrago wrote:
@Anonymous wrote:
@Shawn19AL wrote:
@firemedic1

can you clarify what you mean about EQ?
Most mechanics, when you ask them to replace a broken sensor, will replace the sensor, clean a few things up, and provide you with an invoice for replacing the sensor.

Mechanics at Equifax, when asked to change the oil in your car, will very likely remove the rear axle, provide you with an invoice for replacing the windshield, and then expect you to thank them.

Best analogy I can come up with, sorry.
Hey now, I am a mechanic. LOL.

I was one once too, but I was the first kind, not the Equifax kind. Never go full Equifax.