I've been seeing so many posts about people being able to get an early exclusion and I finally decided to make the call today. I have ONE LAST collection (medical-paid) on my EX and TU reports (never reported to EQ for some reason) and even though it's under $100, I still want it gone. I had called a few days ago and talked to the front line CR, who said he wasn't able to remove it because it isn't set to come off until August. It was during my lunch break and I didn't have time to call back and ask for a supervisor.
So cut to today and I have the day off and am driving home from dropping my son off at school. I called up TU, immediately asked for a supervisor, and then gave her my info. She put me on hold and said, "Ok, based on the information I see, I am able to delete this collection from your credit report since it's within the time frame." or something like that. OMG!! I am seriously so excited you guys!! I officially have a 100% clean report!! No late payments, no collections, NOTHING!
Hopefully this will inspire other people to call them and request early exclusions for accounts that are due to be deleted in 6 months. I'll hit up EX in a May or June to see about getting it removed from that report as well. As always, thank you to this community for helping me with my repair journey. I honestly never thought I'd see the day where I had a clean credit report.
Congrats 🎉 but wats early exclusion? I haven’t read anything on here about that,
Its when you get something removed from your credit report before the time its suppose to fall off through the credit bureaus. TransUnion is 6 months before Experian is 3 months before and Equifax is 1 month before.