Quick back story...I have several C/O's that are between 6 and 6.5 years old. I've got them plotted on a spreadsheet with DOFD, date when I should be able to request early exclusion per CRA.
First up, a Kohls account on Transunion. I called Transunion last evening and spoke to a CSR. I asked to speak to a supervisor, as the matter would require a supervisors attention. The CSR insisted she could help. I explained I wanted to request an early exclusion for the Kohls account. She replied that she could open a dispute, but the only way to get early exclusion was to contact Kohls. I told her I did not wish to dispute and again asked to speak to a supervisor. The CSR replied that a supervisor could not do anything that she could not do, but if I insisted, she would transfer me to her supervisor. ( remained painfully polite throught our conversation). Her supervisor came on the phone and I explained to him that I would like to request an early exclusion for this account. He asked for a minute to review the account and came back on the phone and said he had removed it and I should receive a letter on confirmation! WHOO HOO! I checked my TU report later last evening and that sucker is GONE! With my previous PRA PFD, that's two down and two to go to a clean TU! Eating this elephant one bite at a time.
Congrats! I have found TU to be the easiest to work with when it comes to EE.
I think im going to give that a shot
So wait if I understand this correct, you had a C/O was it paid? And it had roughly a year left before it fell off and you requested an EE and was able to get it removed? Is what correct ?
It was indeed a paid charge off. It was due to fall off my TU report 11/2019, so TU granted the EE 6 months early.