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EE questions!

cship10
Contributor

EE questions!

Good morning all, 

 

Had a question, I am helping my husband rebuild his credit which is terrible. Medical collections, credit card charges offs, and a repo. 

 

I did have a question about Early Exclusion. I know TU is 6 months, Eq is 1 month and EX is roughly 2-3 months. My question is, it is that from 7 years or 7 years and 180 days? 

 

Also, is it better to call and speak with someone about the EE vrs disputing online? 

 

He has about 5 accounts that are all 6 years 7-9months and would love to see these disappear before hand. We are in TN but many of these debts were obtained in NC where the Statute of limitations is 3 years. 

 

I have already PFD a ton of collections on his report that were medical or utility bill related and have seen his scores increase. I have also paid several of the charged off credit cards that were charged off 2-3 years ago and ready to put some age on those. He did get approved for a Credit One card, he burnt pretty much every secured card option available and I have added him as an Authorized user on several of my cards. 

 

Thanks! 

BK discharged 10/7/2014
Current Scores MyFico TU: 753 EQ: 773 EX: 668
Cards: NFCU CashRewards 48000 | NFCU Flagship 32000| Huntington Voice 18,000 | Citi AA 33,000 |BB&T 4500 | Cap1 V 33500 | Sony 7000 | TVA Employee CU 10,000 | WF Propel 15000 | Sync BananaR Visa 10,000 | DCU Visa 15000 | Overstock 11800 | Sync Lowes 25000 | Sync AE 7000 | Sync Amazon 10,000 | Sync Belk 10000 | NFCU CLOC 15,000 | Citi Costco 9,700 | First Bank 8000 | Bestbuy Visa 10,000 | HomeDepot 5000 | BBVA CP 10000 | Macy's Store 11,300 |
Installments WF Mortgage $257k | Y-12 FCU HELOC 16,000 | Mercedes-Benz Lease | Mercedes-Benz Lease | DCU Auto Loan

AAoA 3 yrs 7 M
TONS of Inquires :-p
Message 1 of 5
4 REPLIES 4
Brooklyn2018
Valued Contributor

Re: EE questions!

IMOE and IMHO, it is best to call to request EE when account(s) are eligible. You are correct on the EE months for each Bureau.👍

It is 7 yrs from DOFD.

Sounds like you’ve doing an awesome job so far on DH credit. Keep it up and he’ll get there.👍

Hope that helps some?

Good Luck!🍀

😊




Goal Score: 600(within a year)**MET MY GOAL**
Goal Score: 700(by May/2021)>

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Message 2 of 5
dynamicvb
Valued Contributor

Re: EE questions!

For all the ones I got, I requested based on the 7 year mark for DOFD. TU was the easiest by far and I have done all those online. The other ones its best to call. EQ has been a pain for me on these, but the other ones have been painless. 

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 5/28/20:


First Goal Score: 750+ Reached 3/2019

Next Goal all over 800
Message 3 of 5
cship10
Contributor

Re: EE questions!

Thank you both!! I will start the process to get those off now. This might give a few increases as they are still reporting monthly. :-) YAY!

BK discharged 10/7/2014
Current Scores MyFico TU: 753 EQ: 773 EX: 668
Cards: NFCU CashRewards 48000 | NFCU Flagship 32000| Huntington Voice 18,000 | Citi AA 33,000 |BB&T 4500 | Cap1 V 33500 | Sony 7000 | TVA Employee CU 10,000 | WF Propel 15000 | Sync BananaR Visa 10,000 | DCU Visa 15000 | Overstock 11800 | Sync Lowes 25000 | Sync AE 7000 | Sync Amazon 10,000 | Sync Belk 10000 | NFCU CLOC 15,000 | Citi Costco 9,700 | First Bank 8000 | Bestbuy Visa 10,000 | HomeDepot 5000 | BBVA CP 10000 | Macy's Store 11,300 |
Installments WF Mortgage $257k | Y-12 FCU HELOC 16,000 | Mercedes-Benz Lease | Mercedes-Benz Lease | DCU Auto Loan

AAoA 3 yrs 7 M
TONS of Inquires :-p
Message 4 of 5
USER1056689
New Contributor

Re: EE questions!

I've done several with all 3.  The best way is to call and say "Hello, I'd like to speak to a supervisor because I would like to do an EE and I understand that they are the only ones who are able to do it."  This avoids a lot of the 1st line reps asking for tons of info.  They will generally ask for your name/ssn and verify you and then transfer you to the supervisor. 

 

In my experience they delete the account while you are on the phone and inform you that you will receive a letter in 7-10 days.

 

Good Luck!

FICO8 Scores:
EX: 686 – 4/1/2019
TU: 708 – 4/1/2019
EQ: 712 – 4/1/2019



FICO9 Scores:
EX: 682 – 4/1/2019
TU: 710 – 4/1/2019
EQ: 729 – 4/1/2019


Message 5 of 5
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