topic Re: Exclusion Confusion in Rebuilding Your Credit

Exclusion Confusion

Twotimesacharm — Thu, 01 Feb 2024 22:56:48 GMT

I have searched for my answer on the boards, but couldn't quite get it answered.

In short, 2018 was a bad year and my credit suffered tremendously. Right now, I have two accounts that were charged off that year (both paid in full in 2019). So, after a lot of reading on here, I have learned that you can request EE from TU (6mo) and EX (3mo), but leave EQ alone. Looking at my reports, things are a little convoluted:

Capital One:

Transnunion shows I had a 30 day late in 8/2017, then again on 2/2018, which stayed deliquent until it was a CO 7/2018. "Estimated Removal Date" shows 6/2023? I asked for EE (account too old) but was told it wasn't eligible.

Experian shows the same delinquency dates, but "On Record Until" October of this year. Do they count 8/2017 as the DOFD? Is the "On Record" date the standard Experian 3 months early? When should I ask again for both?

WebBank:

Transunion shows DOFD 2/2018 with an Estimated Removal date of 1/2025. Seems straightforward enough. I can ask for an EE in July of this year.

Experian shows DOFD 3/2018 and has no "On Record Until" date. Based on the DOFD, it would be eligible for EE November of this year, however, the correct DOFD was 2/2018, which would make it eligible in October, not November. Is this worth fighting? Just try in October and see? Or just wait the month?

Thank you in advance!

Re: Exclusion Confusion

GZG — Thu, 01 Feb 2024 23:03:30 GMT

@Twotimesacharm wrote:
Capital One:
Transnunion shows I had a 30 day late in 8/2017, then again on 2/2018, which stayed deliquent until it was a CO 7/2018. "Estimated Removal Date" shows 6/2023? I asked for EE (account too old) but was told it wasn't eligible.
just dispute it online with the other reason 'too old to be on report, requesting early exclusion please.'
should be automatic if it has the removal date listed

do you mean 6/2024?
Experian shows the same delinquency dates, but "On Record Until" October of this year. Do they count 8/2017 as the DOFD? Is the "On Record" date the standard Experian 3 months early? When should I ask again for both?
the on record date bakes in most of the EE, you might be able to do 1-2 months prior to that date.

WebBank:
Transunion shows DOFD 2/2018 with an Estimated Removal date of 1/2025. Seems straightforward enough. I can ask for an EE in July of this year. do it online once it reaches 6 months away
Experian shows DOFD 3/2018 and has no "On Record Until" date. Based on the DOFD, it would be eligible for EE November of this year, however, the correct DOFD was 2/2018, which would make it eligible in October, not November. Is this worth fighting? Just try in October and see? Or just wait the month?
you'll have to contact them and see what they say

Thank you in advance!

Re: Exclusion Confusion

Twotimesacharm — Thu, 01 Feb 2024 23:30:04 GMT

@GZG wrote:
@Twotimesacharm wrote:
Capital One:
Transnunion shows I had a 30 day late in 8/2017, then again on 2/2018, which stayed deliquent until it was a CO 7/2018. "Estimated Removal Date" shows 6/2023? I asked for EE (account too old) but was told it wasn't eligible.
just dispute it online with the other reason 'too old to be on report, requesting early exclusion please.'
should be automatic if it has the removal date listed
do you mean 6/2024? - No, it says 2023, that's why I asked for an EE, thinking I might get it off really early.

Re: Exclusion Confusion

GZG — Thu, 01 Feb 2024 23:59:05 GMT

@Twotimesacharm wrote:
@GZG wrote:
@Twotimesacharm wrote:
Capital One:
Transnunion shows I had a 30 day late in 8/2017, then again on 2/2018, which stayed deliquent until it was a CO 7/2018. "Estimated Removal Date" shows 6/2023? I asked for EE (account too old) but was told it wasn't eligible.
just dispute it online with the other reason 'too old to be on report, requesting early exclusion please.'
should be automatic if it has the removal date listed
do you mean 6/2024? - No, it says 2023, that's why I asked for an EE, thinking I might get it off really early.

you need to do it online, over the phone they will just tell you nonsense, it should be automatic once you submit the dispute online

Re: Exclusion Confusion

Twotimesacharm — Fri, 02 Feb 2024 02:28:01 GMT

I believe the 2023 date is incorrect since the charge off was in 2018.

I'll contact them at some point and figure it out.

Thank you for your responses.