Early exclusion

[Icewater]

Hello,

i wanted to know is  early exclusion just for charge offs or is it for lates on accounts. I have some lates due to fall off in November. Should I try to get them removed early. With early exclusion are they closing the accounts I still have balances on the accounts  and still use them. or just deleting the lates. I have two that are closed one with a balance of 400 and one has a balance of 2600 . Should I have theses accounts removed.

thanks for any help provided.

[AllZero]

What are the dates for lates and charge offs?

Are the charge offs updating monthly?

You have a closed account you're still using? Please clarify.

[Icewater]

Hello,

most of the lates are from 2013& 2014 I don’t have any charge offs . I’m not still using the closed accounts put I’m paying them off I have two that still have balances . 

[AllZero]

Early exclusion is the removal of a derogatory. In your case it's the removal of the lates.

TU - 6 months early
EX - 3 months early
EQ - 1 month early. Mixed reviews. They've been known to mess it up.