TransUnion Data Points for Early Exclusion EE

[cashcardscore]

TU refuses to delete my lates, odd since EX did the first time I asked.

A few days ago I called TU, again. I asked for EE again. We will see.

[Capricornwon]

@Openwater 

Congratulations

[Capricornwon]

@cashcardscore Update: I contacted Experian for an Early Exclusion of late payments on one my accounts due to fall of this month. There were 3 consecutive 30 day lates from Dec. 2017 to Jan, Feb, &March of 2018. and the rep said yes, but removed the entire account.  The account is still open from Barclays card.  I'm assuming it will still be re-inserted on my report after my statement hits.  I called Barclays and they said that the late payments were removed.  Surprisingly I got a 34-point increase 799-835 from EX FICO8, I read many say on here that late payments that old did not impact your Fico score that much.  I will try TU next to see if they will exclude the late payments. 

[cashcardscore]

@CapricornwonThanks for the info. Back in July I got a 31 point increase on EX after they removed most of my lates. I was happy.

Today I saw that I lost 31 points on EX even though no negative alerts showed and my overall utiliztion went down. I am confused.

[Capricornwon]

@cashcardscore That is strange, I hope I don't lose mine. Did you ever get the Lates removed from TU?

[cashcardscore]

@CapricornwonNope. I give up with TU, I guess they do not like me. For a fourth time, I disputed for EE. My oldest TU lates have already fallen off and the rest of the lates are in a string. The oldest of the string lates is older than 6.5 years yet TU said at my most recent dispute:

[cashcardscore]

I give up. I am done wasting my time and energy with TU when they do not even follow thier own company guidlines.

[Snook_on_the_Line]

Was reading thru this thread on Thursday and said to myself 'what the hay, I'll give it a try'

unpaid medical collection with national recovery agency for $1969 with an estimated removal date of February 2028

disputed, selected too old to report as reason

diddnt type anything in the notes 

woke up this morning to an email from Transunion that my dispute was completed 

couldn't believe it

pulled my credit report and sure enough it's gone.  

[MySunrise271]

@Snook_on_the_Line Congratulation on your TU EE approval 🎉🎉🎉

[Snook_on_the_Line]

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@MySunrise271 wrote:

@Snook_on_the_Line Congratulation on your TU EE approval 🎉🎉🎉

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thanks.      I was shocked 🫢 

Another dp

the estimated removal date they showed was wrong.         They showed 2/28

it should've been 2/27 based on DoFD

idk if that was a factor

this is my third ee from tu in recent years.   

had a collection removed 6 months early and one 18 months early two years ago and earlier this year respectively