@ptatohed wrote:
DST,
I believe coldfusion is suggesting you contact the creditors and request an early exclusion (where they agree to ask the bureaus to exclude it from you report(s) earlier than it was due to come off).
But, with all due respect to my friend mr. fusion (even though his method probably is the more 'appropriate' method), I strongly recommend you just flat out dispute it. I would be surprised if you don't see it gone in 30 days after the dispute. With an early exclusion request, you're hoping the creditor does something, with a dispute, you are hoping the creditor does nothing! lol
You're correct that my suggestion was look into making Early Exclusion requests but EE is a request you make directly with each CRA; if the entry in question is already close enough to falling off organically they will themselves consider removing it. Contacting a creditor directly to request removing or modifying an entry would be a type of Goodwill request.
(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850
$1M+ club
Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
