Phone is the easiest way to do it. Call in and ask for a supervisor as soon as it’s answered. They’ll probably ask why, and you can just say “I’m calling to ask for early exclusion of a tradeline that I believe qualifies, and it’s my understanding that only a supervisor has the ability to do this.” They’re understanding and know this. You’ll be transferred to a supervisor and you can just ask them to do it. If you’re inside that bureau’s allowable window, they will most likely clear it for you on the spot. I have yet to come across anyone on here saying that a qualifying EE was denied.
From what I recall, EQ allows EE three months out, and for EX it’s one month, which may be why you don’t see an online option with EE. That button on EQ is likely your online EE request. I have seen people dispute the tradeline and use the “debt is too old” option, and in the comments they entered an EE request but it seems like some people have tried using the dispute method and haven’t gotten their desired result immediately - it shows up as a refreshed and disputed tradeline.
In your shoes I would just call in and ask. Overall shared experiences here indicate that it’s quick and painless. This weekend I read someone’s post about doing this and once they told the supervisor, they were on hold for less than a minute, and the guy came back on the phone and said “done”. Shortly afterward they received a CK alert saying “your score has increased”.
It won’t always be that quick a turnaround in your score, so the sooner it’s gone, the better - give em a call and get that debt off your records
Let us know how you make out - we all love success stories
From what I recall, EQ allows EE three months out, and for EX it’s one month, which may be why you don’t see an online option with EE. That button on EQ is likely your online EE request. I have seen people dispute the tradeline and use the “debt is too old” option, and in the comments they entered an EE request but it seems like some people have tried using the dispute method and haven’t gotten their desired result immediately - it shows up as a refreshed and disputed tradeline.
In your shoes I would just call in and ask. Overall shared experiences here indicate that it’s quick and painless. This weekend I read someone’s post about doing this and once they told the supervisor, they were on hold for less than a minute, and the guy came back on the phone and said “done”. Shortly afterward they received a CK alert saying “your score has increased”.
It won’t always be that quick a turnaround in your score, so the sooner it’s gone, the better - give em a call and get that debt off your records
Let us know how you make out - we all love success stories
@Anonymous wrote:
@sjt wrote:Experian (EX) is 3 months out and Equifax (EQ) is 1 month.
That's how I had heard it as well. TU, I can confirm firsthand, is 6 months.
And we love TU for that
I spoke with Experian today as well and the same thing they told you they told me. I then saw I had a dispute alert. I believe I have read somewhere here on the forum that this is how Experian handles the EE.
+1@2IMPROVE1
I just disputed a collection AND EE’s on 2 INQ’s(due to fall of later this month) and disputed alerts from EX OPEN and next day, EX Disputes Closed and removed all 3.
I just disputed a collection AND EE’s on 2 INQ’s(due to fall of later this month) and disputed alerts from EX OPEN and next day, EX Disputes Closed and removed all 3.
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