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TU Early Exclusion..... WIN.

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Regular Contributor

TU Early Exclusion..... WIN.

Called Transunion regarding an old account that is scheduled to fall off in 3/20. It's listed as an adverse account, mostly because Webbank stubbornly insists on reporting it as included in bankruptcy, even though by their own admission the account had no balance at the time (or ever) and was not included in any Bankruptcy filings. Well after endless disputes with Webbank refusing to budge and myself not wanting to spend the money on taking them to court I decided now that I'm within the alleged time period for EE by TU to give them a ring. First CS rep was no help, only wanted to file another dispute, transfer to supervisor and thirty seconds later, it's gone. Finally there are no references to any bankrupt accounts on my TU CR. Equifax deleted it years ago, only experian remains. 







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Super Contributor

Re: TU Early Exclusion..... WIN.

Congratulations on the EE!
Message 2 of 6
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Super Contributor

Re: TU Early Exclusion..... WIN.

Congrats!!!!!!!!

Message 3 of 6
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Community Leader
Senior Contributor

Re: TU Early Exclusion..... WIN.

Excellent! If it’s due to age off naturally 3/20, then you can call EX for EE on 12/1/2019 and get it removed there too!


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | 2017 Audi A6 Prestige S-Line





TCL $85,100| Agg. Util under 5%
Message 4 of 6
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Valued Member

Re: TU Early Exclusion..... WIN.

TU EE definitely works but I shot myself in the foot last week.  Called and they approved EE for a CO that was scheduled to fall off early 2020.  As soon as it updated my score dropped 14 points.  Seems as though I was "re-bucketed".  No other changes to my report.  That was my last derog, so hopefully my score will recover quickly.  


Current Scores: FICO EQ: 608 | FICO TU: 668 | FICO EX: 653
Goal Score: ALL 700+
Message 5 of 6
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Senior Contributor

Re: TU Early Exclusion..... WIN.

Congrats on the EE success!




F8 EQ: 804 | EX: 794 | TU: 801 | Accounts: 2/6 4/12 9/24
Happy practitioner of AZE9or10or11 | Team Finances > FICO
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