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Early Exclusion

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JayTee1
Frequent Contributor

Early Exclusion

I haven't posted here in some time, as my rebuilding chore started in 2014 I think.  I still have 3 negatives on TU, and 2 each on EX and EQ.

I called TU today for early exclusion for a CO that was going to report until 11/2018.  My file is with the fraud department (and has been for a long time), so I was transferred there.  The rep was able to delete the account within a couple minutes after talking to her (note that she was not a US rep, nor was she a supervisor).

I still have to wait for the other two items to fall of all my reports, and that won't be until late this year/early next year, but I'm getting very close to having completely clean reports.

When I started this process, my scores were horrible, and I had a couple dozen negative items on every single report.

It can be done. Smiley Happy

March 2014: Abysmal, low 500s


April 2015: TU 607 | EQ 599 | EX 608
March 2019: TU 717 | EQ 727 | EX 727
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3 REPLIES 3
gdale6
Moderator Emeritus

Re: Early Exclusion

Good job
Message 2 of 4
EW800
Valued Contributor

Re: Early Exclusion

Congratulations!  Smiley Happy

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Jan 2026: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 827
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 3 of 4
Aspireto850
Established Contributor

Re: Early Exclusion

that is awesome. Was that CO paid or still had a balance?









Message 4 of 4
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