Early Exclusion (Deorgatory Accounts Removed from your Report Early)

[quikj9]

Today, I submitted an EE request for a collection account scheduled to drop off 5/24 online with TU. It was removed from my credit report within seconds. 

[Twotimesacharm]

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@quikj9 wrote:

Today, I submitted an EE request for a collection account scheduled to drop off 5/24 online with TU. It was removed from my credit report within seconds. 

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Did you dispute directly with TransUnion online, or a third party site (like Credit Karma)? 

[sdtrew]

I dispute with TransUnion online 6 months early and accounts are removed instantly. I've been doing this since November and successfully gotten 5 accounts removed. I never call. 

[Twotimesacharm]

Thanks! I actually disputed online and it was deleted right away as well. It was 3 months out. Disputed with Experian, too, but no word back yet. Fingers crossed!

[Yoshi74]

Thanks, in a matter of minutes item set to fall off in April 2024 was removed from TU.  I guess I have to wait for the other two.  EX and EQ didn't have a fall of date listed. EX has a June 2017 account closed date and EQ has a May 2017 account close date. I will then wait to contact EX in May and  EQ in June.  Or do you think I can dispute showing that it is no longer reported on my TU account? Due to them being separate entities, will it even matter?

Thanks

[Brian_Earl_Spilner]

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@Yoshi74 wrote:

Thanks, in a matter of minutes item set to fall off in April 2024 was removed from TU.  I guess I have to wait for the other two.  EX and EQ didn't have a fall of date listed. EX has a June 2017 account closed date and EQ has a May 2017 account close date. I will then wait to contact EX in May and  EQ in June.  Or do you think I can dispute showing that it is no longer reported on my TU account? Due to them being separate entities, will it even matter?

Thanks

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No, it won't matter. What happens is they can remove the item on their own if it falls within the exclusion date or they can send a request to the creditor to verify dates. I would not mess with EQ. As mentioned before, they are prone to mess up. The worst thing is to end up with a split file.

If you're lucky all the derogatories can come off earlier than the exclusion times on their own. That's what happened to me. My final derogatories on all 3 bureaus were set to fall off this month, but they were all removed by October of last year. The only EE I requested was from TU at the 6 months mark. I suspect they sent a validation to the creditors and the creditors withdrew the accounts from all the bureaus. So TU came off either instantly or within a day. They came off the other bureaus over the next month or two. 

[CorpCrMgr1]

It's been a few years, but I called up TU regarding mistakes on my report, i.e. wrong address, wrong middle initial... The CSR was fantastic. Everything I mentioned she agreed to instantly remove/fix. I threw in a baddie that had well over a year to go. Two years? She said sure. It was gone. 

[jcfinc12]

I like calling, as the last thing I want is an online contact "early exclusion request, this is not a dispute",  to end up being just another 30 day bureau/creditor dispute that goes no where and locks my file until completed. Has happened to me multiple times.

Trans Union is easy (disputing online) within the 3 month mark, but an online request with Equifax or Experian will normally end in a locked file for 30 days with no positive results.

Even by phone, I have had them file a "dispute", just to appease me, in an effort to sell me credit monitoring. In all cases that I have called (and been sucessful), the agent says this will be off the bureau in 24-48 hours, anything else out of their mouth should send up caution flags.

[Sbrav77]

I agree totally with the Equifax statement.  I tried to remove a charged off credit card account that's due to age off in June. Now, my time since last late payment is showing as 1 month on Equifax and correctly showing 5 years 11 months on Transunion and Experian. I'm assuming that's why my Equifax score took an almost 20 point hit initially.  It's slowly climbing again.

[Dreamy_Surf]

Hi! Im new here =) Thank you!

Can late payments be EE'd? Or only Full/closed/CO derogatory accounts?