Transunion Early Exclusion Fail on student loan late payments

[CreditScoreHack_2580]

Hello, 

I was wondering if someone could help me understand how to get the automatic early exclusion through Transunion. I have a deragatory 90 day late payment that was dated on July/2018 for all three of my student loans. This past month (February 2nd, 2025) I was able to remove all three from my Experian account via phone call, and naturally Equifax did the same without me physically reaching out to them. At the same time, I submitted a dispute via Transunion online portal to request for an early exclusion. I followed the route other forums mentioned, steps below:

Dispute the negative account claiming account is inaccurate.

Select account is too old.

In the comment section write "requesting for an early exclusion."

Instead of getting an instant approval - the dispute processed for the entire month, February 27th - the results came back as verified and accurate. On March 2nd, I submitted another dispute for the same accounts using the same process above and it looks as though this will happen again where it will most likely be verified as accurate (As of now the status is still 'In Process'). I don't know why I am having a hard time getting this removed from Transunion. Any help would be greatly appreciated. 

[Patient957]

For whatever reasons, TU handles EE for late payments differently than EE for COs and BKs.   I've seen plenty of people get 6 months EE on COs and BKs, but have never seen it for lates.

I do believe, however, that TU does routinely give 2 months automatic EE on late payments.  But of course YMMV, and I don't know if your disputes might affect it.

For me, TU updates my late payments on around the 10th of each month.  I have one late payment left, from May 2018, which I expect will age off in a few days, on 3/10. 

So my guess is yours will be gone on May 10th.  No guarantees, of course, on yours or mine.  But at least you now a date to look forward to.  Come back in May and let us know.

Good luck!

[BallBounces]

I will echo, in very general terms, what Patient957 said.

TU has a harder time granting EE for lates than they do entire tradeline removal/CO removal.  I will say I HAVE seen it happen, but it is diffferent and must go through a different process on their end than "too old CO" because it is not as smooth or elegant.

Tangentially, here is an anecdote:  I requested a 30 day late removal 6 months in advance from TU online, as the OP attempted.  There will be no score impact here, but I was curious what would happen.   This late is reported by the creditor to all CRAs.  It is the only late on the tradeline. The "dispute results" came back as verified.  The interesting thing is the next day, the late payment disappeared from ALL THREE CRAs, as if the creditor itself decided to not report it to anyone after verifying it.  That would be weird, but I have no other explanation.  /Tangent

[hdporter]

I want to again stress that "early exclusion" (EE) is a strong strategy request for accounts closed with an adverse status:  account defaults and collections.

But if you have an account that reports delinquency months, yet was closed with a satisfactory status, JUST LET THOSE DELINQUENCIES AGE OFF at 7 years.

Seeking to remove the tradeline through a EE, if successful, is an example of proverbial cutting off your nose to spite your face.

If you simply allow the delinquencies to individually age off at 7 years of age, when the last delinquency falls from the tradeline, what is left of the residual tradeline is all positive, with intact aging going back to the account open date.

If you're in the process of rebuilding, that's gold!

[BallBounces]

---

@hdporter wrote:

I want to again stress that "early exclusion" (EE) is a strong strategy request for accounts closed with an adverse status:  account defaults and collections.

But if you have an account that reports delinquency months, yet was closed with a satisfactory status, JUST LET THOSE DELINQUENCIES AGE OFF at 7 years.

Seeking to remove the tradeline through a EE, if successful, is an example of proverbial cutting off your nose to spite your face.

If you simply allow the delinquencies to individually age off at 7 years of age, when the last delinquency falls from the tradeline, what is left of the residual tradeline is all positive, with intact aging going back to the account open date.

If you're in the process of rebuilding, that's gold!

---

General agreement of course.

Caveat:  EE for lates does not remove the tradeline. It removes the lates, WHEN it is performed properly.  Contrary to popular belief, it is possible remove just late payments via EE.  

Now, as to whether you should, that is indeed rarely the case.  A 30 day late will have little to likely NO impact on score. However, a string to a 90 or 120 WOULD, and if you could get those lates removed prior to a mortgage  application for example, that would be a scenario where you MAY want to try.  

YMMV and again I agree in general with @hdporter on letting 6 year old sleeping dogs lie.

[Patient957]

---

@Patient957 wrote:

I do believe, however, that TU does routinely give 2 months automatic EE on late payments.  But of course YMMV, and I don't know if your disputes might affect it.

For me, TU updates my late payments on around the 10th of each month.  I have one late payment left, from May 2018, which I expect will age off in a few days, on 3/10. 

---

My late from May 2018 aged off TU today on 3/9/2025, almost 2 months early, as expected.

[CreditScoreHack_2580]

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@BallBounces wrote:

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@hdporter wrote:

I want to again stress that "early exclusion" (EE) is a strong strategy request for accounts closed with an adverse status:  account defaults and collections.

But if you have an account that reports delinquency months, yet was closed with a satisfactory status, JUST LET THOSE DELINQUENCIES AGE OFF at 7 years.

Seeking to remove the tradeline through a EE, if successful, is an example of proverbial cutting off your nose to spite your face.

If you simply allow the delinquencies to individually age off at 7 years of age, when the last delinquency falls from the tradeline, what is left of the residual tradeline is all positive, with intact aging going back to the account open date.

If you're in the process of rebuilding, that's gold!

---

General agreement of course.

Caveat:  EE for lates does not remove the tradeline. It removes the lates, WHEN it is performed properly.  Contrary to popular belief, it is possible remove just late payments via EE.  

Now, as to whether you should, that is indeed rarely the case.  A 30 day late will have little to likely NO impact on score. However, a string to a 90 or 120 WOULD, and if you could get those lates removed prior to a mortgage  application for example, that would be a scenario where you MAY want to try.  

YMMV and again I agree in general with @hdporter on letting 6 year old sleeping dogs lie.

---

@BallBounces  @hdporter @Patient957 Yes, the 90 day delinquency has been hurting my score for years now and the sole purpose to get these lates removed was because I was applying for a mortgage loan. All credit bureaus spat out a FICO8 score of 742-746. After Experian and Equifax cleared the late payments, EX is now at 787 and EQ is at 797. Aside from TU not following through, I decided to move forward with the loan application with my broker. The combined score for all three credit bureaus was 730. My broker told me that theTU score was at 696 which is what brought the overall average down. Regardless, requesting the EE really improved my chances of securing the loan and with good rate terms (although still not the best due to the economy, but hoping to refinance at better rates once the market improves and the lates from TU will already fall off by then). 

Thank you all for assisting! 

[CreditScoreHack_2580]

I wanted to give an update on my TU score. The latest Early Exclusion request I submitted on March 2nd came back as verified accurate by March 30th. However, on April 6th, I received an alert from myFICO that my TU score changed from 747 to 797. I checked my report and no longer see the delinquency for all three accounts. So it is true that TU will automatically remove 90+ day deliquent reports three months from DoD.  

My current scores are now:

EQ - 809

TU - 797

EX - 807

[BrokerTee65]

@CreditScoreHack_2580  That is awesome!! I too am waiting for TU to remove a 30 day late from August 2018. Eqifax(49 point increase) removed it in April and Exp removed it in May(51 point increase) I actually reached out to TU and spoke with a Supervisor. She told me that they don't do EE for late payments. So I am hoping it happens this month! 

Eq: 788
Transunion: 744
Exp: 793

[1LoneBeacon]

Curious as to your suggestion for a defaulted student loan that was "closed due to transfer; transferred to another office". This account shows 90 (1) and 120 (8) Total Months 23. 

The transfer to another office was a collection agency, thus a Collection. Total Months 21.

The Estimated month and year this item will be removed is 12/2025 for the defaulted student loan and 02/26 for the Settled - Less than full balance; Paid Collection.

Would I seek the 6 month EE from TU or allow them to age off? If I am reading the report correctly, they are set to be deleted from my record on 12/25 and 02/26 anyway. Bear with me as I am still somewhat new to this.