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TransUnion EE Success

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TransUnion EE Success

I had an older CapitalOne credit card which I had DOFD'd back in 12/2012. Originally, I had settled with them for roughly half of the amount due (something like $195 was written off) and it has sat around on my reports with a 30/60/90 of 1/2/8 for years, status as Paid, was a charge-off.  Overall, it was due to fall off on 11/2019.


Starting in April, I tried to call TU to get an early exclusion. They hemmed and hawed, saying they could only dispute, and that I would have to reach out to CapOne to have them remove it instead. CapOne said the same thing (plus the whole "we must report what is accurate" stuff). Figuring that it had now passed into May and it was well within the 6 month window for TU, I called again, spoke to a "Supervisor" and they told me they would do what they could. A week later, the account dropped off TU!


Part good, part bad for me - the account was by far my oldest on the report that isn't an AU, but getting the derogs off I feel had a much greater impact even if it was paid. Bummer that my AAoA dropped from 5 years down to 2, but you live and learn. 

As of 4/2/2019: TU8: 638 EQ8: 660 EX8: 673
2/2018: TU8: 491 EQ8: 461 EX8: 464
Rebuilding since: 02/2018

Citi Costco: $5.5k | Discover it: $2k (Graduated from secured 5/2019) | FPB: $675 | CreditOne: $300 | Target REDCard: $300 | PayPal MC: $2k
Discover it Chrome AU: $2.1k | CreditOne AU: $650
Wells Auto: $18,500 | Capital One Auto: $15,300
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Super Contributor

Re: TransUnion EE Success

At least the baddie is gone for good. This will help down the road as you rebuild more and more. Congrats!

My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
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Re: TransUnion EE Success

Great you it removed. Keep up the good work Smiley Happy
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

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