Showing results for 
Search instead for 
Did you mean: 

Early exclusion

Established Member

Early exclusion

Hello everyone,

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...

Message 1 of 4
Super Contributor

Re: Early exclusion

Which report? TU or EX or EQ ?

Message 2 of 4
Moderator Emeritus

Re: Early exclusion

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.

Message 3 of 4
Senior Contributor

Re: Early exclusion

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. 

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  

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.
Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.