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Early Exclusions

Civil
Regular Contributor

Re: Early Exclusions

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







Message 11 of 57
VoltaicShock
Established Contributor

Re: Early Exclusions


@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

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




FICOBeginning (6/2017)Current
Equifax636707
Transunion627725
Experian623726
Message 12 of 57
Civil
Regular Contributor

Re: Early Exclusions

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







Message 13 of 57
Queen_Etherea
Established Contributor

Re: Early Exclusions


@VoltaicShock wrote:

@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

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


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

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 14 of 57
Queen_Etherea
Established Contributor

Re: Early Exclusions


@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

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

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 15 of 57
VoltaicShock
Established Contributor

Re: Early Exclusions


@Queen_Etherea wrote:

@VoltaicShock wrote:

@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

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


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


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.




FICOBeginning (6/2017)Current
Equifax636707
Transunion627725
Experian623726
Message 16 of 57
Civil
Regular Contributor

Re: Early Exclusions

Thanks







Message 17 of 57
Civil
Regular Contributor

Re: Early Exclusions

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.







Message 18 of 57
Queen_Etherea
Established Contributor

Re: Early Exclusions


@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.

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

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 19 of 57
Retched1
Frequent Contributor

Re: Early Exclusions

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.

 

 

2/2019 - EQ 789// TU 777 // EX 783
3/2016 - EQ 615 // TU 605 // EX 621
155k CC, 9 accounts.
Message 20 of 57
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