My TU report is clean!!! I requested early exclusion for all my baddies which were due to fall off within the next 6 months and it was granted. I'm so stoked!!! My score before this was 626. I'm so curious what it'll jump to now.
Forgive me for not knowing, but things such as EE are considered disputes? I've never even TRIED calling the dispute phone number or clicking on the disputes tab out of fear that it would be considered debt validation and reset the seven years on my debt!
March 13, 2013: FICO EQ 543 February 5, 2014: FICO EQ 603 Five accounts with negative indicators, 2 accounts in collections In my wallet: Capital One Secured $500 / Fingerhut $500 / First Premier $700 / Credit One $300 / J. Crew $250 / Express $250
It won't reset the 7 years. The reason I gave for initiating the dispute is "I am no longer liable for this debt" and in the comments section, I put "I am requesting early exclusion for this account." They emailed me yesterday saying that the investigation was complete and I could view the results online. Everything was deleted. TransUnion will remove items 6 months before they are due to fall off and all of mine were going to fall off between now and August.