topic Re: Removing South East Financial Credit union in Rebuilding Your Credit

Removing South East Financial Credit union

Anonymous — Thu, 19 Mar 2020 14:32:30 GMT

In 2012, I was dooped into a contract with TCN and South East financial being the servicer. I cant seem to find any information about this, I do not know if it is a Taboo subject or not but I live in Texas and was not included in the lawsuits in New York or Massachusetts so the benefits and settlement apparently do not apply to me.

I have a old account that is due to fall off by August 2020. I am in the process of buying a home and this is preventing me from closing. Does anyone have any information as to how to get this removed sooner or if it its possible. I do not know if anyone has had success with this or not.

Re: Removing South East Financial Credit union

gdale6 — Thu, 19 Mar 2020 14:56:37 GMT

@Anonymous wrote:
In 2012, I was dooped into a contract with TCN and South East financial being the servicer. I cant seem to find any information about this, I do not know if it is a Taboo subject or not but I live in Texas and was not included in the lawsuits in New York or Massachusetts so the benefits and settlement apparently do not apply to me.

I have a old account that is due to fall off by August 2020. I am in the process of buying a home and this is preventing me from closing. Does anyone have any information as to how to get this removed sooner or if it its possible. I do not know if anyone has had success with this or not.

Call the CRAs and try to get the early exclusion, short of that you will have to settle with them to close or delay till past Aug 2020.

Re: Removing South East Financial Credit union

Anonymous — Thu, 19 Mar 2020 16:14:12 GMT

AWWW your awesome thank you! I had never even heard of this option. I went online to transunion first and requested it. Then, poof it was gone within minutes of requesting it. I cant believe it thank you. Now I have to find out how to do it with the others.

Re: Removing South East Financial Credit union

Anonymous — Thu, 19 Mar 2020 19:54:08 GMT

TU is the most generous with EE. They will do it up to 6 months early.

EX will do it 2-3 months early. So possibly April or May?

EQ is a tough cookie and may not do it at all or up to 1 month early at best, so July? Maybe June?

Re: Removing South East Financial Credit union

FireMedic1 — Thu, 19 Mar 2020 23:50:14 GMT

@Anonymous wrote:
TU is the most generous with EE. They will do it up to 6 months early.

EX will do it 2-3 months early. So possibly April or May?

EQ is a tough cookie and may not do it at all or up to 1 month early at best, so July? Maybe June?

EX is 3 months. We encourage to leave EQ out of EE's. They'd screw up boiling water.

Re: Removing South East Financial Credit union

Anonymous — Sat, 28 Mar 2020 19:18:26 GMT

@FireMedic1 wrote:
@Anonymous wrote:
TU is the most generous with EE. They will do it up to 6 months early.

EX will do it 2-3 months early. So possibly April or May?

EQ is a tough cookie and may not do it at all or up to 1 month early at best, so July? Maybe June?
EX is 3 months. We encourage to leave EQ out of EE's. They'd screw up boiling water.

ransunion removed it no problem but the other 2 opened disputes, so i have no idea what the outcome will be. thank you all for the advice, its greatly appreciated

Re: Removing South East Financial Credit union

Anonymous — Sat, 28 Mar 2020 19:55:57 GMT

Hopefully the disputes don't cause more trouble. You have to be very specific in telling them that you aren't disputing it and are just wanting EE (early exclusion). Sometimes it takes speaking to a supervisor at the CRAs.

I have seen in the forums that when it is marked disputed on your CRs, sometimes the mortgage UWs have issues with that.

Good luck!