TU Early Exclusion Success!

[EW800]

After going through some pretty rough times in 2011 and 2012, and going though the rebuild process since, it feels great to have my first Early Exclusion success!  My wife and I went through a foreclosure and a credit card settlement and have just been waiting out the clock for these two major baddies to fall off.  The CC settlement was scheduled to fall off in August 2018.  I have known that at times TU will allow an EE at about six months, but have been a bit reluctant to request it.  This past Friday, I decided to go ahead and give it a try via the on-line dispute process.  I disputed used the "too old to report" selection and then in the comment section stated that I was respectfully requesting an Early Exclusion of the report.  

This morning I received the e-mail notification that the investigation of the dispute was complete.  I logged in and saw the notification that the account had been deleted!   Although the settlement still shows on EQ and EX, it feels GREAT to have the first EE success!  I know there likely will not be any score benefit with the foreclosure still showing, but still feels great to have one down on one CB!  

For our experts out there, the foreclosure is scheduled to fall off in November 2018.  At what point would you suggest the TU EE request?  Would May be safe or would it be safer to wait until June?

Thanks again, everyone !

[creditfreak68]

Congratulations on your early exclusions! I would try to get the foreclosure off on May 1, and think it will happen. I called in and asked for a supervisor myself on November 1, and had everything removed that was scheduled to come off in May of 2018. So based on my experience if you go this route you will have a really good job of having it removed. 

Good luck!

[EW800]

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@creditfreak68 wrote:

Congratulations on your early exclusions! I would try to get the foreclosure off on May 1, and think it will happen. I called in and asked for a supervisor myself on November 1, and had everything removed that was scheduled to come off in May of 2018. So based on my experience if you go this route you will have a really good job of having it removed. 

Good luck!

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Thank you!  I likely will give it a try on or very close to May 1.  Although I know it would only be TU that the foreclosure would fall from that early, I cannot wait to experience the great feeling of having that foreclosure gone!  It has been a long recovery!  

[Anonymous]

Did you have anyluck removing the foreclosure? 

I have a short sale that will fall off Nov 2018. I was wondering if I should call in or dispute online.