topic Re: Experian Early Exclusion/On record until in Rebuilding Your Credit

Experian Early Exclusion/On record until

FreedomHammer — Thu, 20 Aug 2020 19:55:17 GMT

I have some accounts on my Experian report that state "on record until September 2021", "on record until July 2021", etc.

May I request early exclusion three months prior to the "on record until" date, or is the on record until date the earliest I may request that?

Re: Experian Early Exclusion/On record until

Anonymous — Thu, 20 Aug 2020 20:32:18 GMT

Their date is confusing - you can ask for EE three months early based on DoFD. The "on record" date is six years and ten months from DoFD. Therefore you can ask a month before the "on record" date.

Re: Experian Early Exclusion/On record until

FreedomHammer — Thu, 20 Aug 2020 20:45:49 GMT

Thank you for the clarification. I don't believe any of my negatives have a DOFD listed.

Re: Experian Early Exclusion/On record until

Anonymous — Thu, 20 Aug 2020 23:08:51 GMT

If you'd like that type of info, download your reports from www.annualcreditreport.com - normally they're free once every 12 months but due to Covid you can pull them weekly for free. They're far more comprehensive than what you see from monitors like Credit Karma. You'll find those DoFDs in there. Otherwise though, just call a month before that record date and you should be good

Re: Experian Early Exclusion/On record until

Anonymous — Fri, 21 Aug 2020 17:30:35 GMT

Wow, I didn't know about early exclusion... It's my first time hearing about it so I'm so glad you brought it up. The last few years of my credit history have been perfect but there's this one account that I disputed and had removed from Equifax and TransUnion but couldn't with Experian. After fighting and fighting, I looked at the date and realized it will fall off in a couple months. But after reading this thread I did a little refresher and unfortunately, I still have another year of waiting--- or at least 8 more months. Anyway, here's some info I got from Googling for 2 minutes.

What is early exclusion?

Early exclusion is not an official policy of the Fair Credit Reporting Act. It’s in the discretion of each credit bureau. Early exclusion is when the credit bureaus remove a negative tradeline several months prior to the official date that information is due to be excluded (removed) from your credit files. Transunion seems to be the most flexible with early exclusion. With Experian and Equifax you may have to call a few times to get a representative to agree.

Early exclusion can work for negative tradelines such as late payments, charge-offs, collection accounts, accounts included in bankruptcy and late payments.

Here are two options to get the process started:

Call the credit bureau, with your credit report in hand, and tell the representative “I’d like your help in deleting some old tradelines from my credit report.” Basically you’d like “obsolete” items removed.
Dispute online choosing the option “Obsolete” or “No longer liable for this account” in addition to adding the comment “According to my records this account is too old to be on my report.”

Transunion (800-916-8800) may exclude negative tradelines up to 6 months early
Experian (800-493-1058) may exclude tradelines up to 3 months early.
Equifax (877-784-2528) may exclude tradelines up to 1 or 2 months early.

These are just estimations based on individual consumers’ experiences. Your experience may vary with each credit bureau. If one representative tells you no, then try another; it could render a very different result.

(Source: https://rebuildcreditscores.com/25-tips-to-fix-credit)

When Does the 7 Year Rule Begin For Delinquent Accounts?

Late payments remain on the credit report for seven years. The seven-year rule is based on when the delinquency occurred. Whether the entire account will be deleted is determined by whether you brought the account current after the missed payment. If the account was brought current, the late payments that have reached seven years old will be removed, but the rest of the account history will remain.

(Source: https://www.experian.com/blogs/ask-experian)

Re: Experian Early Exclusion/On record until

Anonymous — Sat, 05 Sep 2020 21:30:51 GMT

I had one late that was due to fall off 12/2020. Requested EE on 09/01 and it was removed a few days later.

Re: Experian Early Exclusion/On record until

AllZero — Sat, 05 Sep 2020 21:31:56 GMT

@Anonymous wrote:
I had one late that was due to fall off 12/2020. Requested EE on 09/01 and it was removed a few days later.

Congratulations on your EE success!

Re: Experian Early Exclusion/On record until

Anonymous — Sat, 03 Oct 2020 00:00:13 GMT

OMG...I found out about EE yesterday through the Forum. Today I called Experian...asked to be transferred to a supervisor. The agent asked why I needed a supervisor and I told her I wanted to remove some items from my report that are too old to be reported. She said she could help me. I then tell her I have 8 collection accounts from a debt collector and she said she could delete them for me today. I was so happy. She puts me on hold for about 4-5 minutes, afterwards, she said it has all been deleted and should be reflected in the system in about 24-36 hours. So happy!!!! Per the Experian website, the items were scheduled to fall off in December 2020 so I got them off 2 months early. they are all from an accounts shown as late as of March 2014.

Re: Experian Early Exclusion/On record until

AllZero — Sat, 03 Oct 2020 00:32:23 GMT

@Anonymous wrote:
OMG...I found out about EE yesterday through the Forum. Today I called Experian...asked to be transferred to a supervisor. The agent asked why I needed a supervisor and I told her I wanted to remove some items from my report that are too old to be reported. She said she could help me. I then tell her I have 8 collection accounts from a debt collector and she said she could delete them for me today. I was so happy. She puts me on hold for about 4-5 minutes, afterwards, she said it has all been deleted and should be reflected in the system in about 24-36 hours. So happy!!!! Per the Experian website, the items were scheduled to fall off in December 2020 so I got them off 2 months early. they are all from an accounts shown as late as of March 2014.

Congratulations on your success!

Re: Experian Early Exclusion/On record until

OmarGB9 — Sat, 03 Oct 2020 02:49:37 GMT

@Anonymous wrote:
I had one late that was due to fall off 12/2020. Requested EE on 09/01 and it was removed a few days later.

Wow 3 months before the "on record until" date? That would mean you got it removed 6 months early.

Re: Experian Early Exclusion/On record until

spiritcraft1 — Sat, 03 Oct 2020 15:31:19 GMT

@Anonymous wrote:
OMG...I found out about EE yesterday through the Forum. Today I called Experian...asked to be transferred to a supervisor. The agent asked why I needed a supervisor and I told her I wanted to remove some items from my report that are too old to be reported. She said she could help me. I then tell her I have 8 collection accounts from a debt collector and she said she could delete them for me today. I was so happy. She puts me on hold for about 4-5 minutes, afterwards, she said it has all been deleted and should be reflected in the system in about 24-36 hours. So happy!!!! Per the Experian website, the items were scheduled to fall off in December 2020 so I got them off 2 months early. they are all from an accounts shown as late as of March 2014.

Nice. What number did you call?

Re: Experian Early Exclusion/On record until

Anonymous — Wed, 27 Jan 2021 14:15:23 GMT

I just tried the Early Exclusion with TransUnion, they refused to do so without a letter or approval from Portfolio Recovery. I am going to try Experian next. One account with PR comes off this April.

Re: Experian Early Exclusion/On record until

Anonymous — Wed, 27 Jan 2021 15:03:35 GMT

Yay. I was at least able to remove one collection and 2 hard inquiries from my credit report with Experian. The one collection was due to come off in April. The hard inquiries were with Capital One Auto because they pulled my report 3 times in 2 days. It took me 35 minutes on the phone with the representative, but one is gone! Thanks so much to this community! I didn't know about Early Exclusion.

Re: Experian Early Exclusion/On record until

simplegirl — Thu, 28 Jan 2021 00:20:45 GMT

@Anonymous wrote:
Yay. I was at least able to remove one collection and 2 hard inquiries from my credit report with Experian. The one collection was due to come off in April. The hard inquiries were with Capital One Auto because they pulled my report 3 times in 2 days. It took me 35 minutes on the phone with the representative, but one is gone! Thanks so much to this community! I didn't know about Early Exclusion.

Did you pay Portfolio Recovery? Because they delete automatically if you did.

Re: Experian Early Exclusion/On record until

Anonymous — Thu, 28 Jan 2021 21:48:07 GMT

I didn't but went to the credit bureau instead. I have an old collection of $669 that I have been considering since they do delete with payment. Ok, to be honestly, I was a little leary if they actually did. Thank you for the confirmation.

Re: Experian Early Exclusion/On record until

simplegirl — Thu, 28 Jan 2021 22:33:13 GMT

Yeah I dealt with them personally and settled on both and they did delete with no problem.

Re: Experian Early Exclusion/On record until

800goal800 — Tue, 09 Feb 2021 01:16:29 GMT

A good portion of my charge off accounts on annual credit report do not show " on record date ". What should be used when trying for early exclusion ?

Re: Experian Early Exclusion/On record until

Anonymous — Tue, 09 Feb 2021 01:25:51 GMT

@800goal800 wrote:
A good portion of my charge off accounts on annual credit report do not show " on record date ". What should be used when trying for early exclusion ?

If you don't see that, look for date of first delinquency. Seven years from that date is the natural fall-off date. Three months before the natural fall-off date would be the opening of the EE window for Experian. EX is the only bureau that gives you the "on record until" date, BTW.

Re: Experian Early Exclusion/On record until

Anonymous — Tue, 09 Feb 2021 02:04:12 GMT

@800goal800 wrote:
A good portion of my charge off accounts on annual credit report do not show " on record date ". What should be used when trying for early exclusion ?

For EX it will show "on record until". This date already "builds in" 2 or 3 months of EE into it. EX does 3 months EE, so you can call (not online - it will turn into a full on dispute!) and request EE 1 month prior to that date.

EQ will list "date of first delinquency" (*not* "delinquency first reported", "date major delinquency reported"). Add 7 years to that date. It should naturally age off one or two months before that date. I would not even try EE with EQ. It is like mixing hot oil and water - dangerous. They only offer 1 month EE, anyway, and it should age of by then (since they regularly drop items a little early), making EE requests moot.

Re: Experian Early Exclusion/On record until

Anonymous — Tue, 09 Feb 2021 11:35:10 GMT

I received an EE from EX on a tradeline, does it take a while to show on my report? It has been almost 2 weeks.