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The other 2 did not remove it because it was out of limitations. However, they were pleasant and provided me with dates of when it would qualify for early exclusion. I noted them and will call back when the time comes. If I'm not mistaken, I think it's 3 months out with each CRA. I'm happy with the results thus far 😀
According to MyFico, my TU score went up 5 points but it doesn't say why. I'm assuming because that negative acct (which was 120 days late) came off. Will find out when my credit karma updates. Will let you guys know.
And to make my day even better, I just got a combined $5K credit limit increase with Cap1 on all 3 of my accts with them. This time last year, I had less than $4K in total credit. Now I'm about $30K in....what a difference a year makes 😀😀😀😀