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+26Pts TU Just Removed CO 1 Yr Early "yes!!!"

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+26Pts TU Just Removed CO 1 Yr Early "yes!!!"

Smiley Surprised

Got my TU alert "Derogatory Account Removed"  (it was an old Collection Account about 5.5 years old according to my paper TU file) 

The account was set to fall off May of 2020 Or so I thought Smiley Surprised  

 

I didn't dispute it, request anything from them regarding it etc.  "I just let it sit, because I didn't want to nudge it and risk a mess!"

 

TU was the only CRA reporting it also - so now I have 'zero' CA's on my Credit Files.  (I DV/PFD the other one I had last month and that thing was set to remain until 2024 Smiley Frustrated)

 

That +26Pts was like HeartSmiley Very Happy !!


Starting Score: EX 551|TU 565|EQ 556
Current Score: EX 551|TU 565|EQ 556
Goal Score: EX 620|TU 620|EQ620


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Message 1 of 9
8 REPLIES 8
Regular Contributor

Re: +26Pts TU Just Removed CO 1 Yr Early "yes!!!"

congratz on the clean reports and fico boost.

Message 2 of 9
Frequent Contributor

Re: +26Pts TU Just Removed CO 1 Yr Early "yes!!!"


@outlaw644 wrote:

congratz on the clean reports and fico boost.


Thanks OL644 but I still have three charge off's on my files Smiley Indifferent   here are the drop off dates according to my TU paper CR file.

1 = May 2019 fall off

1 = August 2019 fall off

1 = Oct 2020 fall off

1 = Jan 2022 fall off (zero bal PIF Charge off)

 

So after August this year I'll be looking a bit better overall but sill a way's to go before I can have a 'clean file'.  


Starting Score: EX 551|TU 565|EQ 556
Current Score: EX 551|TU 565|EQ 556
Goal Score: EX 620|TU 620|EQ620


Take the myFICO Fitness Challenge


Message 3 of 9
Valued Contributor

Re: +26Pts TU Just Removed CO 1 Yr Early "yes!!!"

@OP

Congrats on the removal and the increase.👍

IMHO, I would contact TU and ask for EE(Early Exclusion) on those 2 that are due to fall off May and August.

Early Exclusion time and Bureaus
EX @ 3 months
TU @ 6 months
EQ @ 1 month

Always worth a shot to see if they qualify for EE.

Hope that helps some...

Good luck and keep us posted if you were able to have them EE.🤞




Starting FICO 8 Score: EQ 491
Stating FICO 8 Scores 03/17/2018
TU 483 EX 527 EQ 491
Current FICO 8 Score:
EQ 632
Goal Score: 600(within a year)**MET MY GOAL**


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Message 4 of 9
Established Contributor

Re: +26Pts TU Just Removed CO 1 Yr Early "yes!!!"


@Brooklyn2018 wrote:
@OP

Congrats on the removal and the increase.👍

IMHO, I would contact TU and ask for EE(Early Exclusion) on those 2 that are due to fall off May and August.

Early Exclusion time and Bureaus
EX @ 3 months
TU @ 6 months
EQ @ 1 month

Always worth a shot to see if they qualify for EE.

Hope that helps some...

Good luck and keep us posted if you were able to have them EE.🤞


Just make sure you ask for a supervisor when you call! I called and spoke to one of the front line CSR's about an EE for my last collection who had no idea what I was talking about and said they don't remove things early. Called back and asked to speak with a supervisor and it was deleted within like hours! Then it just randomly fell off my EX report without me requesting anything. But yeah, always ask for a supervisor!

I’m probably never finding that garden everyone keeps talking about.


Score dropped ~15 points due to large balance transfer

Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 5 of 9
Moderator

Re: +26Pts TU Just Removed CO 1 Yr Early "yes!!!"

Great work. Enjoy it.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 6 of 9
Community Leader
Super Contributor

Re: +26Pts TU Just Removed CO 1 Yr Early "yes!!!"

Well deservedSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 7 of 9
Contributor

Re: +26Pts TU Just Removed CO 1 Yr Early "yes!!!"

Awesome!! I love those little gifts!
FICO Scores
5/20/2019: EQ - 568 TU - 591 EX: 589
Message 8 of 9
Legendary Contributor

Re: +26Pts TU Just Removed CO 1 Yr Early "yes!!!"

Collections can be removed in one or two ways, and removal does not necessarily mean it was due to early exclusion by the CRA.

The debt collector could also have reported deletion to the CRA, which is different than credit report exclusion.

 

It is probably more likely, based on the collection not being within the normal CRA early exclusion period, that it was deleted by the debt collector rather than excluded by the CRA.

Perhaps the debt collector had their collection authority terminated for some reason, which is basis for their reporting deletion to the CRA,,,,

 

Message 9 of 9
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