Early Exclusion Success but Equifax?

lucknpat · ‎12-01-2021

I'm in the process of cleaning up my credit after making some very bad decisions. I recently discovered early exclusion and had success requesting 9 COs/collections to be removed from TU and 1 so far with EX. I decided not mess with EQ because of other posts I read.

But EQ suddenly put remarks on 3 collections that the consumer disputes the account and my score went up 4pts. What could be happening? I did not file a dispute with Equifax for any accounts.

FICO8 - 8/2019
EX 510, TU 538, EQ 497

FICO8 - 11/27/2021
EX 528, TU 584, EQ 558

FICO 8 - 4/4/2022
EX 623, TU 629, EQ 650

FireMedic1 · ‎12-01-2021

If you used the dispute process and didnt call for EE. The CRA's contact the furnisher or creditor. They (The Creditors) respond to the dispute and can return their results to more than 1 CRA. Doesnt happen often. But they can alert other CRA's about the dispute.

stonedog23 · ‎12-02-2021

I think this happened to me. I got EE pretty easily from EX and TU. Out of the blue EQ deleted the entry close to 4 months early. And they are not known for deleting that early.

NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($33,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($19,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , Citi Double Cash ($9600), Discover It Cash ($9000), Walmart MC ($8000), Bank of America Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500), US Bank Cash+ ($5,000), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 766, TU 763, EX 753, FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years