topic Re: Early exclusion worked! in Rebuilding Your Credit

Early exclusion worked!

Friendlyfranknbeans — Thu, 18 Apr 2024 12:51:50 GMT

Oooooh my this morning After 4 years I tried to do the early exclusion request and to my surprise it worked! Got an email back almost instant with the results... TU removed everything negative!!! I just sent the same request to Equifax to see if I could leverage that, so they could remove the items on their report.

One item was a BK7. So this is huge!!! Feels like I'm back to where I was at the beginning.

I would have never of know how to do that if it wasn't for y'all.

picked up a new amex green card too! (Amex was one of the cards I burned) they even back dated my account to the date before I burned them! "Member since 03"

Re: Early exclusion worked!

twilliam1313 — Thu, 18 Apr 2024 14:55:32 GMT

How did you send the request and how many months out were they from falling off naturally?

Re: Early exclusion worked!

Friendlyfranknbeans — Thu, 18 Apr 2024 15:26:31 GMT

Discharge was Jan 2019 and I just used the Transunion website and it's free to dispute. Select "no judgement" then in the notes put "Kindly requesting Early Exclusion from Chapter 7 bankruptcy. Grateful for your consideration."

im still in shocked that this worked. I thought I was going to have to wait until 2029.

not sure if it's my solid credit history after the discharge but right after my discharge I opened a few secured cards right away. Here's my timeline (estimate)

After discharge I got the following

US bank secured card -300.00

Fingerhut - 1000.00

overstock 1100.00

credit one 500.00

car loan at 14% 23,000.00

after 8 months I got a capital one card and another credit one card and some random credit card called "ollo" which was later bought out by Ally.

exactly one year after my discharge I refinanced my car through capital one at 4.4%

2 years after, another capital one card came through and a card called "upgrade" and a personal loan of 12,000.

3 years in all was paid off no debt.

year 4 multiple hard inquires dropped - I got the credit one amex, business card "spark" through capital one and another stupid card called "BrightWay" from OneMain

4.5 years in I filed for the exclusion and it worked and was approved for an Amex... had the option for the Green, Delta or platinum - I chose the green as its best for me. I also got a NCFU secured card (I got this before the exclusion) - looking back now I wish I would have waited lol.

good luck! may vary for different people. BK was the best option for me... although it sucked and felt embarrassing. I'm glad I did it or I would still be drowning in debt (my business failed)

Re: Early exclusion worked!

twilliam1313 — Thu, 18 Apr 2024 15:46:28 GMT

Oh wow, so they took that off your report pretty much 5 years early. Good for you man, thanks for sharing that all of those data points too. Im in the middle of a rebuild right now and have a couple things im waiting to fall off because they are keeping me in the 660 range so I may have to try that and see what happens.

Is it only off on TransUnion or does it still show on experian and equifax?

Re: Early exclusion worked!

Friendlyfranknbeans — Thu, 18 Apr 2024 17:09:30 GMT

Right now it's only showing TU. I haven't heard back from Experian but from what I read Experian may give me issues. I sent this to Experian "Gratefully seeking Early Exclusion from Chapter 7 bankruptcy. Your kind consideration means the world to me. Transunion has already removed it. Thank you sincerely for your help."

If I can get it removed then I'll try with equifax

let's see if that works.

Re: Early exclusion worked!

Creditwiser — Thu, 18 Apr 2024 18:02:10 GMT

Congratulations on your EE from TU ! Its a great feeling. You just might be the earliest EE I'm aware of. Don't expect the same from EX.

@Friendlyfranknbeans wrote:
Oooooh my this morning After 4 years I tried to do the early exclusion request and to my surprise it worked! Got an email back almost instant with the results... TU removed everything negative!!! I just sent the same request to Equifax to see if I could leverage that, so they could remove the items on their report.

One item was a BK7. So this is huge!!! Feels like I'm back to where I was at the beginning.

I would have never of know how to do that if it wasn't for y'all.

picked up a new amex green card too! (Amex was one of the cards I burned) they even back dated my account to the date before I burned them! "Member since 03"

Congratulations on your EE from TU ! Its a great feeling. You just might be the earliest EE I'm aware of. Don't expect the same from EX. There's a thread on here that can guide you thru TU only Pulls for near future cards if you like.

Thanks for sharing

Re: Early exclusion worked!

Friendlyfranknbeans — Thu, 18 Apr 2024 19:33:01 GMT

Yeah, I figure EX is going to say no but hey! I'm still over the moon about TU and going to try to use that as leverage. If they say no I'm going to retry every 60 days lol.

I think wording the dispute notes is key. Years ago I tried other disputes and basically begged and was always denied. I kept this one short and sweet and for how fast it was removed made it seem like it was automated.

Re: Early exclusion worked!

Rogue46 — Thu, 18 Apr 2024 19:49:35 GMT

I thought i got lucky getting EE 2 years early! That's awesome congrats!

Re: Early exclusion worked!

Friendlyfranknbeans — Thu, 18 Apr 2024 22:39:39 GMT

Just saw this bottom comment - "There's a thread on here that can guide you thru TU only Pulls for near future cards if you like." Appreciate that, I figured that's what I'll be doing if EQ doesn't want to remove it. I noticed most lenders seem to pull TU so I think I'll be in good shape.

Re: Early exclusion worked!

KateInquires — Fri, 19 Apr 2024 18:43:46 GMT

Was the dispute resolved or still under dispute? Curious because years ago I did a dispute and they removed the item in question only during the dispute period. When the investigation was over, they put it right back on my report as verified.

Re: Early exclusion worked!

GreyvyTrain — Sat, 20 Apr 2024 03:55:59 GMT

@KateInquires - I was thinking the same thing.

@Friendlyfranknbeans congrats, and got my fingers crossed for you that it's gone for good! I tried to do EE last night for EQ and EX on two 5 year old COs after reading a thread where another user got some things removed 2 years early.

Re: Early exclusion worked!

Friendlyfranknbeans — Sat, 20 Apr 2024 04:07:23 GMT

EX EQ have been pending for a few days now... I really don't have high hopes but fingers crossed.

did you have any luck with your COs?

Re: Early exclusion worked!

Friendlyfranknbeans — Sat, 20 Apr 2024 04:54:35 GMT

Says "deleted" filed on the 15th removed on the 16th

Dispute Investigation Completed
INVESTIGATION RESULTS - DELETED: The disputed item(s) was removed from your credit report.

In response to your dispute, this item was DELETED from your credit report.

Hey, check this out, I totally screwed myself with 5 new inquiries which brought my score down almost 19 points because I forgot to freeze my credit when I tried to rate shop on a refinance. Word of advice don't ever trust Gravity Lending... I gave them the last 4 of my social for a softpull, and somehow they ran my credit? Not once, not twice, but three freaking times! And then, to top it all off, they made over 20 back-to-back phone calls trying to get me to sign for their loan at some junk credit union.

When I called about how and why they pulled my credit, they had the audacity to say, "Well, you agreed to the credit pull." I explained I used a fake last name, so how did they pull my credit? "We can search by address and match the records," they said. Sounds like a scam to me, and I wouldn't recommend them to anyone after their representative raised his voice at me once confronted. (For example the real name is John Doe, I used Jon Do and never gave my full social or drivers license number)

Oh, and let's not forget, they somehow got my business number and texted that too. I supplied them with a Google Voice number, so I have no clue how they called or texted my work line.

And, oh boy, another one that wouldn't leave me alone is Caribou lending. They called me a total of 26 times!

Thank goodness I used a Google voice number and was able to turn it off.

Re: Early exclusion worked!

keekers — Sat, 20 Apr 2024 04:34:30 GMT

Wow. Congrats.

Re: Early exclusion worked!

GreyvyTrain — Sat, 20 Apr 2024 18:11:57 GMT

@Friendlyfranknbeans EX is still pending, no updates there. EQ came back and just changed them both from Transferred/Sold to Transferred/Sold/Paid, and the charge off amount is no longer there. So nothing really came of that I don't think, unless that little "Paid" part helps out when lenders look at it. Tempted to try again, but I have a feeling they could just end up making it worse if I keep messing with it. I did submit a dispute to request EE via CreditKarma for TU on one of the 2 COs, so we will see how that goes as well.

Re: Early exclusion worked!

Friendlyfranknbeans — Sat, 20 Apr 2024 18:34:58 GMT

I'm no expert by any means but I wonder if you mail in your dispute. I believe they're supposed to resolve the dispute within 30 days or it has to be removed. Take advantage of the lazy people behind the desk? Lol. Worth a shot. Online disputes I'd would wait 30 days before disputing again.

my EQ and EE stuff are still pending as well.

Re: Early exclusion worked!

GreyvyTrain — Sun, 21 Apr 2024 04:02:59 GMT

@Friendlyfranknbeans

Agreed on the online disputes. I made that mistake last year, kept poking and poking via CreditKarma on two COs that hadn't updated in 3 years, just to have them pop up with dates, amounts, as well as the collections for them lol with a major 100+ point loss. This was before I found myFICO, and all of you helpful folks.

Regarding how long they take when mailing things in there is some helpful info here:

https://ficoforums.myfico.com/t5/General-Credit-Topics/What-happens-if-a-credit-dispute-passes-30-days/td-p/4089408

Re: Early exclusion worked!

Friendlyfranknbeans — Mon, 22 Apr 2024 05:02:03 GMT

EQ says "Verified reporting as correct" and did not remove it. They went into great detail to provide a complete report of every single payment I made on all my accounts. Can you get in trouble for too many disputes? lol I was thinking just to send them a letter every day until they get sick of me.

still waiting for EX fingers crossed.

Re: Early exclusion worked!

Friendlyfranknbeans — Mon, 22 Apr 2024 19:42:23 GMT

Called EQ to try sweet talking the lady and it's a hard no. "We have separate policies than others, this will fall off 10 years from the discharge date"

lame.

Re: Early exclusion worked!

Friendlyfranknbeans — Sat, 18 May 2024 04:28:57 GMT

Update. Nope! EQ and EX said no kick rocks BK is reported correctly... positive side just approved for another amex. Credit one gave me another CL increase of 1100 and One Main "bright wise" card gave me another 500... Credit score dropped 22 points but then jumped back up 52.

I hate and love credit but these **bleep** numbers are unpredictable. Plus in the process someone tried hacking my Schwab account. Fun times.