2 Apps and 2 Approvals in one day!

[Anonymous]

@Meanmachine-that has my 100% attention! Are you really allowed to ask for that? Tu only? Or Ex too?

[Anonymous]

Congrats on both approvals

[stellar]

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@Anonymous wrote:
@Meanmachine-that has my 100% attention! Are you really allowed to ask for that? Tu only? Or Ex too?

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It's called Early Exclusion or EE around here.  All 3 do it, TU, EX, EQ.  You just call in and say, hey this is going to fall off in 6 months, can you remove it early?  TU is 6 months early.  I can't remember how long for the other 2.  

[DCnDC]

congrats on the approvals!

[Anonymous]

It looks as if Discover and Amex both pulled EX...my score only dropped 3 points to 658. I havent seen anything on TU or EQ as of yet. Im going to look into this Early Exclusion thing you guys have mentioned. That would be so amazing if i could get that off my reports early. It really is holding down my scores ALOT!

[Meanmchine]

For TU and EX you start with the Date of Frist Deliquency (DOFD).  Add 7 years to it

For TU, you ignore the 'day' portion and subtract 6 months.  At this point, TU will remove your collection

For EX its a little more complicated.  Here you use the "day" portion. EX will normally remove it 3 months early.  But you can have a supervisor remove it early 1 month earlier but it has to be on or after the day.  

Example  DOFD = 12/15/2011

TU will remove it 6/1/2018  (six months )

EX will remove it 8/15/2018 (four months to the day)

EQ will not remove early.  Their computers do do it but you can never know when exactly

As a side note, EX will remove inquiries on the 1st of the month on the month they are due to fall off.. Example, inquiry date 12/22/2016.  On 12/1/2018 you can ask them to remove it

Hope it help!

[Anonymous]

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@Anonymous wrote:
Oh wow!!! Ive been so wrapped up in excitement about getting in with Amex that i forgot all about the 3xCLI! So, that would be 61 days from today, right? What about Discover? When is the first time i can ask for a credit increase with them?

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It's 61 days from account opening. If you are unsure of that day you can ask customer service via chat on the AMEX site.

In regards to Disco, that's kind of a crap shoot. There isn't much rhyme nor reason to their CLI eligibility. I think I was at about the 2 month mark when I asked and recieved a $500 increase.