I have a charge off that is expected to fall off in may of this year. How would I go about asking for an early exclusion???
Thanks in advance...
You want to give the CRA a call, get a super on the line and ask for the early exclusion on it. TU will do it 6 months out and the other two 1-3 months out.
EX - Call and ask for a supervisor -- up to 3 months before scheduled drop off date
EQ -- Leave it - often causes more harm than good because EQ is just special. If you must try, I recommend doing so in writing with a mailed letter clearly stating you are not disputing the account, but seeking removal of the tradeline as it is too old to be reported (this was successful for me) - up to one month before drop off date.
TU - Best results (lately) have been via online dispute using "too old to be reported" as the reason code; dispute is usually resolved within 24 hours with the tradeline deleted. You can also call and request a supervisor but may have to reach out several times to get someone willing to cooperate - up to 6 months before scheduled drop off date.
Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.