Early Exclusion from B of A mortgage

[Sadie5150]

Hi All,

Needing your advice.  My husband had a B of A mortgage loan that he did a short sale on in Jan 2018.  DOFD was May 2016 for TU, June 2016 for EQ, and August of 2016 for EXP.  The account is due to drop off from all 3 bureaus this year.  Do you think we have a chance of an early exclusion with the credit bureaus?  Or should we just let that snake stay dormant until they fall off on their own.  I'm afraid if we inquire about it, for whatever reason they may update it and we'd be screwed.

[donkort]

I would "let sleeping dogs lie."

[Sadie5150]

@donkort  Thanks, I had a feeling that's what he should probably do.  

[JoeRockhead]

The only one susceptible to mess up here would be EQ and your so close at this point, might as well let it fall off on its own.

Question, so the loan stayed in default from May 2016 until Jan 2018 without ever being brought current at all during that time, correct? 

[Sadie5150]

@JoeRockhead yes, that's correct