Is TransUnion doing something different for disputes?

[Anonymous]

Let me explain...
Today I went to the TransUnion website to enter a dispute. I wasn't really disputing, just asking for an early exclusion of my last baddie which is a charge off. It said it was due to come off 01/2020 and I've had luck with them in the past. So I entered the dispute as old account and wrote in saying I was not disputing the account or charge off just simply asking for an early exclusion of the negative etc etc. It was not even 2minutes from when I submitted it, that I received an email saying that the dispute was resolved. I was shocked. Are they automating this now??? Granted they deleted the whole trade line but hey... I'm still happy it's off my report. I checked CK and they immediately sent alert that it was removed.

Now let's wait and see with Experian

[gdale6]

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@Anonymous wrote:
Let me explain...
Today I went to the TransUnion website to enter a dispute. I wasn't really disputing, just asking for an early exclusion of my last baddie which is a charge off. It said it was due to come off 01/2019 and I've had luck with them in the past. So I entered the dispute as old account and wrote in saying I was not disputing the account or charge off just simply asking for an early exclusion of the negative etc etc. It was not even 2minutes from when I submitted it, that I received an email saying that the dispute was resolved. I was shocked. Are they automating this now??? Granted they deleted the whole trade line but hey... I'm still happy it's off my report. I checked CK and they immediately sent alert that it was removed.

Now let's wait and see with Experian

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No, EE is not automated, this site only promotes EE to be done by phone or mail as using the dispute process is only for correcting valid errors in credit reporting. I would not try same with EX and get a supervisor on the phone, they are not known to do so this far out typical 1-3 months out with them.

[BallBounces]

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@Anonymous wrote:
Let me explain...
Today I went to the TransUnion website to enter a dispute. I wasn't really disputing, just asking for an early exclusion of my last baddie which is a charge off. It said it was due to come off 01/2019 and I've had luck with them in the past. So I entered the dispute as old account and wrote in saying I was not disputing the account or charge off just simply asking for an early exclusion of the negative etc etc. It was not even 2minutes from when I submitted it, that I received an email saying that the dispute was resolved. I was shocked. Are they automating this now??? Granted they deleted the whole trade line but hey... I'm still happy it's off my report. I checked CK and they immediately sent alert that it was removed.

Now let's wait and see with Experian

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I am confused.  Was it supposed to come off in January 2019?  If so it was certainly not early.

[Anonymous]

The charge off negative reporting. The only negative that I have as a derogatory thing. With transunion you can ask for an EE 6 months prior to it hitting the 7 year mark. It would have been on my credit report 7 yrs on 01/2020.

[Anonymous]

I've always done EE with transunion thru the dispute section. Last one I did was 6months ago for my chp 7 bk. But they always take about a week for me to remove since it has to be reviewed. I always call after to confirm. This time it did automatically within literally 1 minute.

Experian I do call and talk to a rep. My statement was referring to having the next baddie removed when it's time.

Equifax I'm just leaving alone all together. I won't dare request anything with them.

[Anonymous]

And my apologies. I meant 01/2020 not 2019.