EE Question - string of lates

[ladyjaye82]

How does an EE work when you have a string of lates on an open account?

For examples, 90-day late in Nov, 120-day late in Dec, 150-day late in Jan, 180-day late in Feb.

Will I need to request an EE each month in success or will they remove a string of lates all at once?

[RobertEG]

Yes, each has its own credit report exclusion date of no later than 7 years from its date of occurence.

Whether or not they will exclude mutliples all under the same early exclusion request is entirely their option.

What is the year of the delinquencies?

If the account is now open, is it in good-standing?

[ladyjaye82]

This is actually for my boyfriend's student loan accounts which are currently in forbearance but mine look similiar but are in good standing. Neither of us are eligible for an EE at this point. I will be eligible for them starting next year.

I guess I can request the string but I certainly don't mind if I have to call once a month to getthings removed. Getting those lates off our reports will be huge.

Thank you!