Any point in trying to EE when OC for account and CA for another keep updating CRA every month?

[darwin_wins]

All my items will drop off by the  end of this year. One of them is a closed auto loan from a CU which has been on my report since DOFD and update it every month. THis is going to drop off in Sept 2016. Another account is from Midland which will drop off Nov 2016. Midland got added to the CRA just 2 months ago and they have of course updated it every month.

All of these accounts are out of SOL so no one is going to sue or try to get any judgement. CU has a comment "Written off as Profit/ Loss" on my CR. 

Any point in trying to get TU to EE these? I know EQ is not going to budge. Any opinions on this?

[RobertEG]

Do yu have an actual need for early exclusion based on some current application process, or is it just academic?

[darwin_wins]

---

@RobertEG wrote:

Do yu have an actual need for early exclusion based on some current application process, or is it just academic?

---

I would like to apply for CSP which I could after April of this year when one account is over 2 years old and I will be out of 5/24 rule. If I can get EE then I will try to get rid of an account on which I am AU and is maxed out.

BTW RobertEG-- I am sure a lot of appreciate your knowledge and input. You are like a FICO treasure

[Anonymous]

Exclusion is an administrative action based on DoFD - continued updating by the furnisher is irrelevant to that exclusion.

[darwin_wins]

True but with CU reporting it every month, wouldn't it just come back? That's why I asked if it's worth the effort?

[Anonymous]

---

@darwin_wins wrote:
True but with CU reporting it every month, wouldn't it just come back? That's why I asked if it's worth the effort?

---

 It does not matter what the furnisher does once the account becomes excluded. The only thing that would make it show up again is if they illegally change the reported DoFD.

[darwin_wins]

---

@Anonymous wrote:

---

@darwin_wins wrote:
True but with CU reporting it every month, wouldn't it just come back? That's why I asked if it's worth the effort?

---

 It does not matter what the furnisher does once the account becomes excluded. The only thing that would make it show up again is if they illegally change the reported DoFD.

---

Very interesting, had no idea about this. Good to know. I was about to call TU but decided I will open my report to see the DOFD before I call. Well the ones I was hoping to get removed have removal date of Nov so I am going to hold off for 2 more months and get 3 of them removed at the same time even though one of them is supposed to fall in Dec. I am hoping CSP remains at current levels for another few months.

[RobertEG]

The FCRA exclusion provisions are imposed on the CRAs, and state that they cannot include any information on the adverse item in any credit report they issue after the eclusion period.

It is NOT a prohibition on the creditor or debt collector from reporting derogs to the CRAs.  See FCRA 605(a).

Once a CRA has tripped their exclusion switch, they are blocking any reporting of the derog, be it past or later reporting.  The CRA can begin to exclude at any time.  The furnsiehr is not involved.