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Jumping on the Early Exclusion Bandwagon!

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Established Contributor

Jumping on the Early Exclusion Bandwagon!

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. 

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 1 of 14
13 REPLIES 13
Moderator

Re: Jumping on the Early Exclusion Bandwagon!

grats
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 14
Senior Contributor

Re: Jumping on the Early Exclusion Bandwagon!

Congrats!


EQ: 795 | EX: 785 | TU: 783 | Accounts: 2/6 6/12 10/24
Happy practitioner of AZE6or7or8
Message 3 of 14
Valued Member

Re: Jumping on the Early Exclusion Bandwagon!

Congrats 🎉 but wats early exclusion? I haven’t read anything on here about that,
Message 4 of 14
Established Contributor

Re: Jumping on the Early Exclusion Bandwagon!


@Chafor2222 wrote:
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.






Starting Score: 494 503 521
Current Score: 503 507 507 2/19
Goal Score: 680


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Message 5 of 14
New Contributor

Re: Jumping on the Early Exclusion Bandwagon!

Congrats! 

FICO8 Scores:
EX: 686 – 4/1/2019
TU: 708 – 4/1/2019
EQ: 712 – 4/1/2019



FICO9 Scores:
EX: 682 – 4/1/2019
TU: 710 – 4/1/2019
EQ: 729 – 4/1/2019


Message 6 of 14
Established Contributor

Re: Jumping on the Early Exclusion Bandwagon!

Well done!!!!











Current

Goal Cards

Message 7 of 14
Regular Contributor

Re: Jumping on the Early Exclusion Bandwagon!

Congrats. Waiting for my cashcall one to fall off. Experian stated end of March for me to call back. Equifax will be later. Congrats again
Fico 8 Exp 598 Transunion 598 Equifax 596 (7/18/18)
FICO 8 Exp 609 TransUnion 622 Equifax 617 (8/10/18)
FICO 8 Exp 643 Equifax 641 Transunion 655 (9-10-18)
FICO 8 exp 630 Transunion 646 Equifax 627
Fico 8 Exp 646 Transunion 639 Equifax 640 (11/1/18)
Fico 8 Exp 698 Transunion 716 Equifax 690 (1/8/19)
Message 8 of 14
Frequent Contributor

Re: Jumping on the Early Exclusion Bandwagon!

Congratulations!!🎈🎊🍾🎉 More good things will be coming your way.

Feels great, doesn’t it?
Started 4/2018 - TU 637
3/2019 - TU 785 EX 778 EQ 782
4/2019 - TU 800 EX 764 EQ 784
9/2019 - TU 816 EX 796 EQ ? (well, I haven't checked....)
10/2019 - TU 825 EX 800 EQ 822
11/2019 - TU ? EX 785. EQ ?
Scores entirely bolstered by one old, closed Wells Fargo card due to fall off in 2022

Discover it $4,000
Chase Freedom Unlimited $11,900
AMEX Blue Cash Everyday $18,000
Ducks Unlimited $6,000
Chase Ink Biz Preferred $9,000
Message 9 of 14
Frequent Contributor

Re: Jumping on the Early Exclusion Bandwagon!

Do you have to call for EE or can it be requested online?
Message 10 of 14
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