TU early exclusion question

[cashcardscore]

If you do everything correcly and timing is right, now instant is instant?

<--Disputed online, patiently waiting, its been over an hour since I submitted it.

[Brian_Earl_Spilner]

It's not always instant. Sometimes within minutes. Sometimes 30 days. Depends on the derogatory. 

[7774x]

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@cashcardscore wrote:

If you do everything correcly and timing is right, now instant is instant?

<--Disputed online, patiently waiting, its been over an hour since I submitted it.

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I had instant TU EEs for my C/Os . baddies , relatives, co- workers .. church members .. all were  instant decisions with confirming emails in seconds... no delays .. last ones were June1st

Remember  EEs  are for  6 months out ..i.e June 1st was for 12/1 EEs ...July1st for Jan1 EEs ..If not instant decision ,something not correctly submitted .. TU EEs are  instant for all baddies within 6 month window ..

[cashcardscore]

I do not have any baddies like C/O, just old late payments.

Both of the accounts I disputed with TU are my Chase accounts. They are $0 and they are closed. I would like to see both accounts deleted. I will lose a bit of AAoA but I am not worried.

[CreditCurious]

Mine took 2 or 3 days.  

[captainsensation]

All of the ones i ever did were instant. I did one july 1st that was set to fall off feb next year. I did it at 12 am and TU didnt remove it cause it was listed as 6/30. Called and asked them to removed it since it wasnt instant. Did it again at 11am and within 10 mins it was deleted. Personally, if it takes longer than 30 mins then i expect the result to be verfied as accurate.

[cashcardscore]

Still nothing from TU so they will probably come back with verified data.

Happy Independance Day to everyone.

[myscoresucks2]

We're you within 6 months?? This only goes for derogatory accounts, bankruptcies and charge offs, it does not go for late payments. 

[JoeRockhead]

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@myscoresucks2 wrote:

We're you within 6 months?? This only goes for derogatory accounts, bankruptcies and charge offs, it does not go for late payments. 

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This is a misconception here, and elsewhere. While a person may, or may not be successful getting late payments removed early. Late payments are still adverse information as defined by FCRA 605(a)(5) making them eligible for early exclusion, the same as any other adverse information from the CRAs, in accordance with their particular policies on EE (6 months, 3 months, 1 month... etc) 

I can't speak for everyone, but, I've had personal success having several late payments removed early due to "too old to report" across all three CRAs. Only Experian removed the entire account, the others removed the late payment only (not all were instant). YEMV

[myscoresucks2]

Thank you Joe, I must have been misinformed. Sorry