TU early exclusion success!

Egaffne2 · ‎03-02-2020

Called today for an old charge off that was due to come off in September so in 6 months. The first rep I talked to was able to help. All I said was I'm requesting an early exclusion for so and so account. She did not say anything about a dispute like others have dealt with. So it was easy peezy she just deleted it. Checked credit wise which is a vantage score and my score dipped 2 points! Whatever lol hopefully my FICO goes up a little from it cause I mean it was a charge off after all!

Current 2023 FICO 8 score - 760 (EX) 758 (TU) 762 (EQ) (FICO 9s seem to be significantly higher)
Starting score - 530
Discover it - $4,200
Citi Custom Cash - $6,600
CFNA Firestone - $3,200
Amex BCE - $2,500
Mission Lane - $1,100
Chase slate (AU) - $3,000
Chase Freedom Flex - $11,100
Lowes Advantage card - $10,000
PNC poop points- $4,500
2 student loans 93% paid off
AMEX loan only 7% paid off so far
Total current Utilization among all accounts- 20%

Anonymous · ‎03-02-2020

Congratulations! 👍

Anonymous · ‎03-02-2020

Congrats, there only thing more enjoyable than seeing bad stuff fall off your credit reports are CLI/approvals.

donkort · ‎03-02-2020

Congratulations!

FICO 8: EQ 810; TU 816; EX 822 as of 7/5/2022

blindambition · ‎03-02-2020

Congrats on the successful removal!! 👍🏻

AllZero · ‎03-02-2020

Congratulations on your TU EE!

Egaffne2 · ‎03-02-2020

C" there only thing more enjoyable than seeing bad stuff fall off your credit reports are CLI/approvals"

thanks! Yeah it feels great, too bad my vantage scores dipped 2 points cause of it! You would think a charge off removal would be good but owell. Hopefully my FICO goes up that's the one that matters

Current 2023 FICO 8 score - 760 (EX) 758 (TU) 762 (EQ) (FICO 9s seem to be significantly higher)
Starting score - 530
Discover it - $4,200
Citi Custom Cash - $6,600
CFNA Firestone - $3,200
Amex BCE - $2,500
Mission Lane - $1,100
Chase slate (AU) - $3,000
Chase Freedom Flex - $11,100
Lowes Advantage card - $10,000
PNC poop points- $4,500
2 student loans 93% paid off
AMEX loan only 7% paid off so far
Total current Utilization among all accounts- 20%

FireMedic1 · ‎03-02-2020

Congrats. I need to call and get my 1 30 day late removed now I'm in the 6 month window.

CreditChemistry · ‎03-02-2020

Congratulations!

Anonymous · ‎03-03-2020

Keep us updated on how much your score jumps. I know its going to be different for everyone; I had 3 removed early just recently.