Early Exclusion

[haleyjen]

I have a First Premier CO due to come off in July...how do I go about requesting an EE?

[WayUpto850]

I have a few accounts I would like to see if I can get an Early Exclusion.  I have never done one, but I'm thinking we contact all three Credit Bureaus and ask them to exclude the account from the credit file.

[tiffjtiffj]

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@haleyjen wrote:

I have a First Premier CO due to come off in July...how do I go about requesting an EE?

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Call up Transunion and Experian and ask for EE (not dispute) of # of aging debts.  The rep will state they cannot remove it, politely ask for the supervisor who will process. Don't bother with Equifax its like pushing a boulder up hill, the other 2 are super easy if its within 3-5 months of comimg off.

Good Luck

[WayUpto850]

Thx Much tiffjtiffj !!!

[haleyjen]

Will do!  Thank you!!

[WayUpto850]

I contacted EX and the rep was really nice.  She looked over my account and calculated the DOFD and date for automatic removal.  Then she advised the Early Exclusion can be requested 2-3 months ahead of date for automatic removal.

I have my dates - guess I'll continue to garden until then.

[Anonymous]

It is so weird how two people can have such vastly different experiences with the same bureau.  I called Equifax to talk about one account that was coming up for possible early exclusion.  The rep on the phone not only gladly removed it, six months early, but then started suggesting other accounts she would gladly delete if I'd like.  Then she started removing inquiries which I thought was impossible.  I kept her on the phone for hours. In the end she deleted six accounts, four inquiries and two bad addresses.  

[Anonymous]

Achieving - Any chance you asked that rep if she's single? She sounds like a keeper! 

[Anonymous]

I should have.. can you imagine? I would be the most popular guy on the forums.  Dating the girl who make Experian early exclusions happen.    But now with my new shiny FICO score, I can afford to date someone in the same country as I am.  So watch out, America.

[Anonymous]

Funny, I just talked to EX today to try to get an EE for an account that is due to come off 1/2018. She told me it met criteria, then put me on hold forever and came back and said I had to call back after Dec 10th. It sounded like a different person came on the line after the hold. I'll try after the 10th I guess!