Early Exclusions

[Civil]

I just called Experian and got them to remove my foreclosure early, they were the only ones left...YES. Rep said give it about 24hrs to see a change in the reports

[Anonymous]

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@Civil wrote:
I just called Experian and got them to remove my foreclosure early, they were the only ones left...YES. Rep said give it about 24hrs to see a change in the reports

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How early is early?  I am trying to figure out when to contact them to get some stuff removed from my file.

[Civil]

It was reporting different in Experian compared to the others and it would of been off in November of this year. TransUnion I was able to get it off in February and Equifax took it off on the 7/1...the original account was set for 9/1

[Queen_Etherea]

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@Anonymous wrote:

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@Civil wrote:
I just called Experian and got them to remove my foreclosure early, they were the only ones left...YES. Rep said give it about 24hrs to see a change in the reports

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How early is early?  I am trying to figure out when to contact them to get some stuff removed from my file.

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From what I've gathered on thi s forum:  Transunion will do it 6 months in advance, Experian 3 months, and Equifax 30 days.

[Queen_Etherea]

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@Civil wrote:
I just called Experian and got them to remove my foreclosure early, they were the only ones left...YES. Rep said give it about 24hrs to see a change in the reports

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Congrats!!! I guess I should've called instead of doing the dispute online?

[Anonymous]

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@Queen_Etherea wrote:

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@Anonymous wrote:

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@Civil wrote:
I just called Experian and got them to remove my foreclosure early, they were the only ones left...YES. Rep said give it about 24hrs to see a change in the reports

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How early is early?  I am trying to figure out when to contact them to get some stuff removed from my file.

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From what I've gathered on thi s forum:  Transunion will do it 6 months in advance, Experian 3 months, and Equifax 30 days.

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Yeah that does seem to be the case.  I guess my score will skyrocket next month once I get my Chapter 13 removed from my TU account lol then the next one 3 months later then the last one 30 days after that.

[Civil]

Thanks

[Civil]

What sucks is I was expecting my score to jump at least 20 points with Experian....It went from 611 to 612....LOL. I did send out letters to all 3 CRBs last week for my negative reportings...We will see how that goes.

[Queen_Etherea]

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@Civil wrote:
What sucks is I was expecting my score to jump at least 20 points with Experian....It went from 611 to 612....LOL. I did send out letters to all 3 CRBs last week for my negative reportings...We will see how that goes.

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Hey I'd be happy with just one point increase! Every point counts to me. Good luck!

[Anonymous]

I had to call in for my CH13, as I  couldn't see how to say "too old" on the online dispute for a Public record.