TransUnion Data Points for Early Exclusion EE

[Patient957]

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@cashcardscore wrote:

Does that also apply for late payments?

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I posted some DPs on EE of late payments by EQ here:

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/String-of-Lates-Equifax-Automatic-Early-Excl...

I will also be updating the thread over the next couple months.

Tldr: So far I've been automatically receiving 4 months EE on a string of lates, without asking.

The last late was May 2018.  I'm expecting it to fall off in January.

[Capricornwon]

That's Great, I have one EQ 30 days late from 3/2018.  I look forward to it falling off in a few months.

[Patient957]

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@Capricornwon wrote:

That's Great, I have one EQ 30 days late from 3/2018.  I look forward to it falling off in a few months.

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Are you sure your 3/2018 late is still on your EQ report?  Have you updated your report in November?

My March 2018 late fell off in November.  If yours didn't, then I guess I'm just getting lucky.

[Capricornwon]

Thanks for the reminder, myFICO updates again on November 13. My Barclays card late payment has been reported for around 6 years and 8 months.  My score is 807 EQ I'm curious to see if it changes. 

[Patient957]

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@Patient957 wrote:

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@cashcardscore wrote:

Does that also apply for late payments?

---

I posted some DPs on EE of late payments by EQ here:

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/String-of-Lates-Equifax-Automatic-Early-Excl...

I will also be updating the thread over the next couple months.

Tldr: So far I've been automatically receiving 4 months EE on a string of lates, without asking.

The last late was May 2018.  I'm expecting it to fall off in January.

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Thread updated.

4 months auto EE from Equifax confirmed.

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/String-of-Lates-Equifax-Automatic-Early-Excl...

[Capricornwon]

@Patient957 The late payment finally came off in Dec.2024. From EQ

[Patient957]

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@Capricornwon wrote:

@Patient957 The late payment finally came off in Dec.2024. From EQ

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Excellent! Congrats.

So that's another DP for 3 to 4 months auto EE for late payments from EQ.

[Capricornwon]

I contacted Experian to request an early exclusion for a late payment on a Barclays credit card that I had maintained since 2016. During the call, I made it clear to the "Dispute Specialist" that I was not disputing the late payment and emphasized that the account remained active and open. The representative responded affirmatively, stating, "Sure, I can assist you with that."

However, after a brief period of approximately 3 minutes, instead of simply removing the 30-day late payment, she deleted the entire account. Fortunately, this deletion did not adversely affect my FICO score; in fact, it increased from 792 to 843. Since September, the account has not been reflected in the Experian reports. I subsequently contacted Barclays to notify them of the situation, but they have yet to take any corrective actions.  I would be interested in knowing what people think should be done in this case.

[Ftlaudes1]

If this helps anyone, I read a thread on here that someone was able to get an EE years before it was suppose to come off. He went online for the EE request. I, on the other hand decided to fax Transunion and it worked. All I did was type a letter saying:  "I am kindly requesting Early Exclusion from Chapter 7 bankruptcy. Grateful for your consideration." with the credit report file number, pics of my ID and SSN and faxed it to 

905-527-0401. 2 weeks later it was removed. I claimed BK 6/2017.

[Eqrider867]

So I called TU today about an EE(I have less than 6 months). Online dispute still pending but I called the special number this time. My credit report shows my DoFD was 10/2018. I have a 60 and 90 day late on thah trade line which resulted in a Charge off. 
TU rep said they were more than happy to remove it and put me on hold, then came back with saying that it shows no DofD. 
I'm so confused! I was looking at my report right there and said, it shows 10/2018. So then she said that they're trying to investigate and reach out to Cap One to get the dates clarified. 
What should I do?