Early Exclusions

[masscredit]

I just did an online dispute with EX for my BK.  I picked other has an option then noted that the account is to old to be reporting. I'll give them a call if that doesn't work. I don't plan on applying for new credit in the next few months so I could just let them fall off but it feels better to receive a score bump sooner. I saw a 42 point increase when TU deleted my BK. 

[Anonymous]

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@masscredit wrote:

I just did an online dispute with EX for my BK.  I picked other has an option then noted that the account is to old to be reporting. I'll give them a call if that doesn't work. I don't plan on applying for new credit in the next few months so I could just let them fall off but it feels better to receive a score bump sooner. I saw a 42 point increase when TU deleted my BK. 

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I can’t wait for my BK to come off. I got 54 points for losing my repo so my BK has got to be holding me back 60+

[masscredit]

The process with Experian is slow. I received a message that said I should receive a response by the end of the month. TransUnion take care of my request in less than 15 minutes. 

[Anonymous]

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@masscredit wrote:

The process with Experian is slow. I received a message that said I should receive a response by the end of the month. TransUnion take care of my request in less than 15 minutes. 

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Yeah, TU is the best.  Well it finally happened my BK was removed and all I have is one 30 days late (wonder how much that his holding me back).

I just left Equifax alone and it finally dropped off a month early on its own.

[Queen_Etherea]

Yup! Experian took forever to do mine as well. I called and spoke to someone and they said they would delete it, but it would look like I was filing a dispute because that’s just the way they had to do it. A lot of people get concerned when they see a dispute has been opened with Experian, but it’s nothing to worry about.

[Queen_Etherea]

@VoltaicShock

How old is your 30 day late? The older it is, the less it’s affecting your scores. I had my last 30 day late removed (which was 5 years old) and I only saw a couple points increase, but I honestly think that was from my accounts aging.

[Anonymous]

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@Queen_Etherea wrote:
@VoltaicShock

How old is your 30 day late? The older it is, the less it’s affecting your scores. I had my last 30 day late removed (which was 5 years old) and I only saw a couple points increase, but I honestly think that was from my accounts aging.

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My 30 day late is a little over a year old.  It happened January of last year. I have noticed that it doesnt seem to have much of an impact on my score. I think I just need to lower my utilization on my cards to really boost my score.