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Transunion early exclusion

bbeaver2013
Valued Member

Transunion early exclusion

I submitted a request to have a old repo removed from my transunion credit report 2 days ago. I'm just wondering if it should be taking this long to get the results as I seen other peoples request getting done within a few hours. I submitted via there website. The repo is scheduled to drop off 12/2021. I also had a late payment on a fingerhut account scheduled to drop the same month so I submitted a request for that also. It may be since I done one for the late payment it could have caused it to get delayed.

Message 1 of 15
14 REPLIES 14
OmarGB9
Community Leader
Super Contributor

Re: Transunion early exclusion

Not sure what's holding up the EE on the repo, but I can tell you the fingerhut late isn't going anywhere. Early exclusion is only for charge offs, BKs, Repos, etc. Not for individual lates. Those you just have to wait for them to age off naturally, or you could write/email/call the creditor and try asking for GW removal of them.


Last App: 05/30/2021
Capital One Auto Refinance Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 15
Rebuild2022
Super Contributor

Re: Transunion early exclusion

Hi @bbeaver2013 all the best with your early exclusion request. Keep us updated with the outcome.

Gardening since 08/2020
Message 3 of 15
in4maous
Established Member

Re: Transunion early exclusion

Where on your on credit report can you find the date when something is expected to fall off?  I want to do a round of early exclusions as well.  I am using the FICO 3B reports, but I don't see the date of removal.  Also, how many months in advance can you typically ask for removal and which CRAs are willing to listen?

 

Thanks


@Rebuild2022 wrote:

Hi @bbeaver2013 all the best with your early exclusion request. Keep us updated with the outcome.



@Rebuild2022 wrote:

Hi @bbeaver2013 all the best with your early exclusion request. Keep us updated with the outcome.


 

Message 4 of 15
financialfreedom777
Regular Contributor

Re: Transunion early exclusion

The Fico reports do not show this. Here are the early exclusion time frames:

 

TU - 6 months early

EX - 3 months early

EQ - 30 days early

 

Hope this helps.

Starting Score: 12/18/2019 EQ 601 | TU 614 | EX 596
Current Score:07/3/2021 EQ 671 | TU 666 | EX 677
Goal Score: 780



Message 5 of 15
MaizeandBlue
Senior Contributor

Re: Transunion early exclusion


@in4maous wrote:

Where on your on credit report can you find the date when something is expected to fall off?  I want to do a round of early exclusions as well.  I am using the FICO 3B reports, but I don't see the date of removal.  Also, how many months in advance can you typically ask for removal and which CRAs are willing to listen?

 

Thanks


@Rebuild2022 wrote:

Hi @bbeaver2013 all the best with your early exclusion request. Keep us updated with the outcome.



@Rebuild2022 wrote:

Hi @bbeaver2013 all the best with your early exclusion request. Keep us updated with the outcome.


 


@in4maous You need to pull your credit reports from annualcreditreport.com to see that information.





Message 6 of 15
bbeaver2013
Valued Member

Re: Transunion early exclusion

I just got a email this morning and transunion has removed the repo from my credit report however the late payment from Fingerhut remains on my report. It will drop off in December so I'll just let it fall off on its own. I have 6 late pays left on a Wells Fargo account and those will all be gone by may of next year and I have one 90 day late left on a navy federal account which was included in my bk but it doesn't report that way. Should I dispute the navy federal account or just leave it be?

Message 7 of 15
7774x
Established Member

Re: Transunion early exclusion

 Get the free credit report .. Credit report like TU list removal dates ...right  under name of creditor reporting the black mark

Message 8 of 15
OmarGB9
Community Leader
Super Contributor

Re: Transunion early exclusion


@bbeaver2013 wrote:

I just got a email this morning and transunion has removed the repo from my credit report however the late payment from Fingerhut remains on my report. It will drop off in December so I'll just let it fall off on its own. I have 6 late pays left on a Wells Fargo account and those will all be gone by may of next year and I have one 90 day late left on a navy federal account which was included in my bk but it doesn't report that way. Should I dispute the navy federal account or just leave it be?


As I mentioned, individual lates don't qualify for EE.

 

And what were you thinking of disputing on the Navy federal account?


Last App: 05/30/2021
Capital One Auto Refinance Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 9 of 15
Rebuild2022
Super Contributor

Re: Transunion early exclusion


@bbeaver2013 wrote:

I submitted a request to have a old repo removed from my transunion credit report 2 days ago. I'm just wondering if it should be taking this long to get the results as I seen other peoples request getting done within a few hours. I submitted via there website. The repo is scheduled to drop off 12/2021. I also had a late payment on a fingerhut account scheduled to drop the same month so I submitted a request for that also. It may be since I done one for the late payment it could have caused it to get delayed.


How did yiu submit the request to TU?  Did you call them or submitted online ?

Gardening since 08/2020
Message 10 of 15
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