You're welcome! Within my own attempts I get different answers, even if asking for the same EE. My suggestion is to:
1) request all CB at 6 months. I did mine online but phone is okay too.
2) request any that remain after that in after 1 or 2 months (they may automatically fall off early too. These happened for one of mine)
1) request all CB at 6 months. I did mine online but phone is okay too.
2) request any that remain after that in after 1 or 2 months (they may automatically fall off early too. These happened for one of mine)
@Sabii wrote:
You're welcome! Within my own attempts I get different answers, even if asking for the same EE. My suggestion is to:
1) request all CB at 6 months. I did mine online but phone is okay too.
2) request any that remain after that in after 1 or 2 months (they may automatically fall off early too. These happened for one of mine)
I'm going to disagree with @Sabii for once 
Transunion will early exclude at 6 months, pretty easily.
Experian's policy is to allow EE's at 3 months - some people (me included) have had this end badly, so I won't stop you, but I won't encourage it.
Equifax will only do a one month EE, and since they have a habit of 'breaking' people's files or applying things wrong, you'll see people generally avoiding working with them. Their favorite muck-up is to end up splitting files, so I'd seriously caution you against it.
When Experian messed up my file, I actually goodwill requested my servicers and they removed the tradelines early for me.
Lol! I would have agreed with you a while back, because I saw the same thing. But I put it to the test because I couldn't remember which was 6 months (& too lazy to look). I did them all at 6 months on some late credit card payments using the online disputes. I had two strings of lates left so I started with the oldest one.
I did the disputes. I believe one said no, and two said it was verified or whatever but then the reports were all wiped of the string! It wasn't until later I found out that EE aren't for open credit cards
My last string wasn't as easy. I got no's on the whole thing, and the reports didn't have anything removed. But a few months later (and still 3+ to go) it just disappeared off Experian (FICO 8). I still have to pull the other two because my VantageScore says they're gone but who knows.
The other thing is I did get a frivolous report warning but it still went through. I just attached a PDF of one of the regulation quotes from here on EE (which of course doesn't apply 🤣). I did that multiple times.
I absolutely agree to use caution though. The CB don't always do what you want them to do.
I did the disputes. I believe one said no, and two said it was verified or whatever but then the reports were all wiped of the string! It wasn't until later I found out that EE aren't for open credit cards
My last string wasn't as easy. I got no's on the whole thing, and the reports didn't have anything removed. But a few months later (and still 3+ to go) it just disappeared off Experian (FICO 8). I still have to pull the other two because my VantageScore says they're gone but who knows.
The other thing is I did get a frivolous report warning but it still went through. I just attached a PDF of one of the regulation quotes from here on EE (which of course doesn't apply 🤣). I did that multiple times.
I absolutely agree to use caution though. The CB don't always do what you want them to do.
^ Proof that the only good rule is "YMMV" 