topic Re: TU early exclusion question in Rebuilding Your Credit

TU early exclusion question

cashcardscore — Tue, 02 Jul 2024 15:59:14 GMT

If you do everything correcly and timing is right, now instant is instant?

<--Disputed online, patiently waiting, its been over an hour since I submitted it.

Re: TU early exclusion question

Brian_Earl_Spilner — Tue, 02 Jul 2024 16:02:47 GMT

It's not always instant. Sometimes within minutes. Sometimes 30 days. Depends on the derogatory.

Re: TU early exclusion question

7774x — Tue, 02 Jul 2024 18:04:49 GMT

@cashcardscore wrote:
If you do everything correcly and timing is right, now instant is instant?

<--Disputed online, patiently waiting, its been over an hour since I submitted it.

I had instant TU EEs for my C/Os . baddies , relatives, co- workers .. church members .. all were instant decisions with confirming emails in seconds... no delays .. last ones were June1st

Remember EEs are for 6 months out ..i.e June 1st was for 12/1 EEs ...July1st for Jan1 EEs ..If not instant decision ,something not correctly submitted .. TU EEs are instant for all baddies within 6 month window ..

Re: TU early exclusion question

cashcardscore — Tue, 02 Jul 2024 19:41:23 GMT

I do not have any baddies like C/O, just old late payments.

Both of the accounts I disputed with TU are my Chase accounts. They are $0 and they are closed. I would like to see both accounts deleted. I will lose a bit of AAoA but I am not worried.

Re: TU early exclusion question

CreditCurious — Tue, 02 Jul 2024 22:11:46 GMT

Mine took 2 or 3 days.

Re: TU early exclusion question

captainsensation — Wed, 03 Jul 2024 21:08:08 GMT

All of the ones i ever did were instant. I did one july 1st that was set to fall off feb next year. I did it at 12 am and TU didnt remove it cause it was listed as 6/30. Called and asked them to removed it since it wasnt instant. Did it again at 11am and within 10 mins it was deleted. Personally, if it takes longer than 30 mins then i expect the result to be verfied as accurate.

Re: TU early exclusion question

cashcardscore — Thu, 04 Jul 2024 15:47:34 GMT

Still nothing from TU so they will probably come back with verified data.

Happy Independance Day to everyone.

Re: TU early exclusion question

myscoresucks2 — Thu, 04 Jul 2024 16:27:43 GMT

We're you within 6 months?? This only goes for derogatory accounts, bankruptcies and charge offs, it does not go for late payments.

Re: TU early exclusion question

JoeRockhead — Thu, 04 Jul 2024 17:42:23 GMT

@myscoresucks2 wrote:
We're you within 6 months?? This only goes for derogatory accounts, bankruptcies and charge offs, it does not go for late payments.

This is a misconception here, and elsewhere. While a person may, or may not be successful getting late payments removed early. Late payments are still adverse information as defined by FCRA 605(a)(5) making them eligible for early exclusion, the same as any other adverse information from the CRAs, in accordance with their particular policies on EE (6 months, 3 months, 1 month... etc)

I can't speak for everyone, but, I've had personal success having several late payments removed early due to "too old to report" across all three CRAs. Only Experian removed the entire account, the others removed the late payment only (not all were instant). YEMV

Re: TU early exclusion question

myscoresucks2 — Thu, 04 Jul 2024 17:53:11 GMT

Thank you Joe, I must have been misinformed. Sorry

Re: TU early exclusion question

cashcardscore — Thu, 04 Jul 2024 19:29:49 GMT

Thanks for the clarification Joe.

If TU ever emails me with the results of my EE request, I will update the thread.

For the two Chase accounts, both accounts had strings of lates.

First late (fell off) April 2017 current first late Nov 2017 last late Aug 2018

First late (fell off) April 2017 current first late Nov 2017 last late Apr 2019

Re: TU early exclusion question

cashcardscore — Thu, 04 Jul 2024 20:18:35 GMT

I logged into TU just to see, in progress. Estimated completion date, August 1st 2024.

It would take 2 mintues to pull my CR and to find the two accounts I am asking to be EE.

Re: TU early exclusion question

cashcardscore — Tue, 09 Jul 2024 13:14:45 GMT

Well TU completed my dispute.

Even though I used the phrase "I would like to ask for early exclusion due to the age of account being too old"

but

and

My first lates were so old that they fell off. Why wont TU delete the string of lates?

I thought this would be easy with TU.

Re: TU early exclusion question

sjt — Sat, 20 Jul 2024 16:18:19 GMT

@cashcardscore wrote:
Well TU completed my dispute.

Even though I used the phrase "I would like to ask for early exclusion due to the age of account being too old"
but

and

My first lates were so old that they fell off. Why wont TU delete the string of lates?

I thought this would be easy with TU.

I would call TU.

Re: TU early exclusion question

cashcardscore — Sat, 20 Jul 2024 20:20:28 GMT

I got an email today from EX saying my score went up. I checked, up 31 points. Why? One of my Chase account shows perfect payment history. The other account, they left a single 30 day on it. Really TU? I am waiting for myfio to update.

~~According to my EX report, I still have six lates, five 30 and one 60.~~

I thought about this. Back in June I filed for EE with EX and a month later, they deleted all but one of my lates. TU, still processing.

Re: TU early exclusion question

cashcardscore — Mon, 22 Jul 2024 12:19:48 GMT

Can someone explain to me the steps for EE for TU? TU again refused to do EE. I will post the details later.

Re: TU early exclusion question

cashcardscore — Mon, 22 Jul 2024 22:31:41 GMT

What in the heck does this mean? I selected other reason and put in "I would like to ask for early exclusion due to the age of account being too old". What I am doing wrong? EX did EE the first time I asked.

Re: TU early exclusion question

sjt — Mon, 22 Jul 2024 22:44:52 GMT

I would call them.

Re: TU early exclusion question

cashcardscore — Wed, 24 Jul 2024 16:56:53 GMT

I called, some indian dude picked up. All he said was 7 years 7 years 7 years. I told him I understand but you allow EE at 6 years, 6 months. I could barely understand him. I hung up.

I give up. I will just let the lates fall off due to age.

Mods please lock this thread.

Re: TU early exclusion question

sjt — Wed, 24 Jul 2024 18:22:23 GMT

Dont give up, wait a week and try again.