topic Re: EQUIFAX collection help! in Rebuilding Your Credit

EQUIFAX collection help!

OniStringer — Thu, 08 Dec 2022 21:03:19 GMT

So i have a specific account showing up as a collection on transunion, was exlcuded early, and on experian set to come off next month.

Now for equifax, DoFD is showing Apr 2016, so im wondering how experian is removing it on january. But anyways, how come its showing up as a "Other Account" rather than under my collections?

Re: EQUIFAX collection help!

FireMedic1 — Fri, 09 Dec 2022 12:09:21 GMT

I wouldnt worry about it. Dont poke the bear with EQ. Let it be. I see dispute comment.

Re: EQUIFAX collection help!

OmarGB9 — Sat, 10 Dec 2022 02:13:13 GMT

Experian does 3 months early exclusion (EE), TU up to 6 months EE. EQ only does 1 month EE (meaning it'd come off March 2023 at the earliest), but I wouldn't do anything with it, as they have a tendency to mess things up. The "section" it shows up under doesn't matter.

Re: EQUIFAX collection help!

Oscarb93 — Sun, 15 Jan 2023 23:13:54 GMT

@OniStringer Were you able to get this removed? I have two charge off with DoFD same as yours

Re: EQUIFAX collection help!

OniStringer — Sun, 15 Jan 2023 23:45:40 GMT

@Oscarb93 wrote:
@OniStringer Were you able to get this removed? I have two charge off with DoFD same as yours

Yes, I was able to get them all removed early. 6 months early on TU, 3 months on EQ, and 1 month early on EX.

Re: EQUIFAX collection help!

OniStringer — Sun, 15 Jan 2023 23:46:45 GMT

@Oscarb93 wrote:
@OniStringer Were you able to get this removed? I have two charge off with DoFD same as yours

I did TU online through Credit Karma to be honest.

EQUIFAX online through their own website.

And I called EXPERIAN. They gave me exact dates to call back and boom. Deleted.

Re: EQUIFAX collection help!

Oscarb93 — Sun, 15 Jan 2023 23:50:42 GMT

How did you do equifax online? I didn't see any options that would fit early exclusion.

Re: EQUIFAX collection help!

OniStringer — Mon, 16 Jan 2023 13:05:13 GMT

@Oscarb93 wrote:
How did you do equifax online? I didn't see any options that would fit early exclusion.

No option for it, if there is an option to type in additional comments. That's what I did.

I believe I chose the most similar option to "this item should no longer be reporting" , then just wrote in that i wanted to hopefully get an early exclusion on that item.