Early exclusion question

[2b2rich]

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@saberkitty wrote:
They said by law it has to stay on for 7 years and the fall off date is 11/24/2015. That's all he said. From what I could actually understand.

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sounds like you spoke to a noob or someone not in a helpful mood.

They can and they will do an early exclusion, even on unpaid judgements.  I actually think you might have better luck the closer (maybe 4 months out, even next month) in getting TU to exclude, EX & EQ, as someone said, about 2-3 months.

[Anonymous]

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@saberkitty wrote:
They said by law it has to stay on for 7 years and the fall off date is 11/24/2015. That's all he said. From what I could actually understand.

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LOL - they do love to misquote the law, don't they? FCRA does *not* say it "has to stay on" for 7 years, it actually says it "can stay on NO LONGER than 7 years (plus 180 days)". Nothing whatsoever in the law requires it to "stay on" at all.

[saberkitty]

I called back, on hold for a supervisor. "William" stated the same thing about it must stay on for 7 years too

[2b2rich]

Maybe they're just all swamped with calls in the daytime.  Try calling back late at night when it's possibly a lot slower and the agent may be in a less stressful mood

who knows?

[saberkitty]

Talked to supervisor! He DELETED IT!!!!!

Now wonder how long it will take to show up????

[Anonymous]

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@saberkitty wrote:
Talked to supervisor! He DELETED IT!!!!!

Now wonder how long it will take to show up????

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Should be immediate. It should show (or rather *not* show) on the next pull of your reports. Be aware MyFICO monitoring does not trigger an alert on removal of derogatory items.

[dt3813]

AWESOME!!!!!

[saberkitty]

Should I pull now, Norman?

[Anonymous]

Woohooo so excited for you!!

[gdale6]

I would give it 48 hrs before you pull