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Early Exclusion Delete charge-off and collections in seconds

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911gt34life
Frequent Contributor

Early Exclusion Delete charge-off and collections in seconds

i did not know about Early Exclusion OMG... just did it online for TU and 

 

INVESTIGATION RESULTS - DELETED: The disputed item(s) was removed from your credit report.

 

it was remove in seconds but tomorrow  do the rest of them for TU...  later on today will try do experian which is 3 month early... Smiley Sad

 

wondering if anyone here been able to remove experian sooner...... 

 

 

 

 

 

 

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Message 1 of 11
10 REPLIES 10
donkort
Valued Contributor

Re: Early Exclusion Delete charge-off and collections in seconds

Congrats on what's occurred so far!

FICO 8: EQ 810; TU 816; EX 822 as of 7/5/2022
Message 2 of 11
drewricomakeubu
Frequent Contributor

Re: Early Exclusion Delete charge-off and collections in seconds


@911gt34life wrote:

i did not know about Early Exclusion OMG... just did it online for TU and 

 

INVESTIGATION RESULTS - DELETED: The disputed item(s) was removed from your credit report.

 

it was remove in seconds but tomorrow  do the rest of them for TU...  later on today will try do experian which is 3 month early... Smiley Sad

 

wondering if anyone here been able to remove experian sooner...... 

 

 

 

 

 

 


Experian EE is built into the On Record Until Date you can see when you pull EX from annualcreditreport . com. I called EX a few days to try and get EE and it was pointless, although they did give me the exact dates stuff will be deleted. Don't get me wrong, it won't stop me from calling periodically to see if I can get someone that will EE. 

Whatever you do, don't try with Equifax, they're a bunch of idiots there. 

Current FICO 8: TU: 814 EX: 774 EQ: 806
Current Cards:
Chase Freedom $800
Chase Ink Unlimited $8,000
American Express BCP: $12,000
Chase Sapphire Preferred $11,500
Blue Business Plus $10,000
Chase Ink Cash $6,000
Capital One Venture X $16,000
American Express Gold
Amazon Prime Amex $3,000
Chase Freedom Unlimited $5,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 3 of 11
911gt34life
Frequent Contributor

Re: Early Exclusion Delete charge-off and collections in seconds

 you have to ask for  supervisor and you can also do it online ...   

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Message 4 of 11
NoMoreE46
Community Leader
Senior Contributor

Re: Early Exclusion Delete charge-off and collections in seconds

TU is 6 months,

EXP is 3 months and yes try on line.

 

Dont mess with Equifax.

Message 5 of 11
Traveler101
Established Contributor

Re: Early Exclusion Delete charge-off and collections in seconds

Congratulations 🎊  on your EE. I just tried for giggles on EX. I'm due for removal july 25th this year. No soup for me. Worth a shot in trying. Will try again end of next month. I want my points, lmao. I'm so close to 800s on all 3. I will be content then.

Message 6 of 11
GTS
Contributor

Re: Early Exclusion Delete charge-off and collections in seconds

Congrats on the EE. I did one with TU 2 weeks ago and got a response within seconds also. Then submitted another one that was set to fall off even sooner then the other one they deleted and well, that was 2 weeks ago and I'm still waiting. Also have one last one to submit but TU won't let me until the current EE request has been eaither approved or denied

FICO 8/9:



Chase FF WEMC-$25,200 CL
Chase IHG Premier WEMC-$16,700 CL
Amex BCP-$10,000 CL
PayPal cashback WMC-$8,000 Cl
RCU Platnum Visa-$5,000 CL
Cap1 Savor One WEMC-$5,000 CL
Disco It-$8,000 CL
Disco It-$5,200 CL
Cap1 Quicksilver WEMC-$3,400 CL

Citi Corporate MC-$5,000 CL
AU Citi AA Advantage-$30,000 CL
Message 7 of 11
drewricomakeubu
Frequent Contributor

Re: Early Exclusion Delete charge-off and collections in seconds


@NoMoreE46 wrote:

TU is 6 months,

EXP is 3 months and yes try on line.

 

Dont mess with Equifax.


Any secrets to doing EX online? 

Current FICO 8: TU: 814 EX: 774 EQ: 806
Current Cards:
Chase Freedom $800
Chase Ink Unlimited $8,000
American Express BCP: $12,000
Chase Sapphire Preferred $11,500
Blue Business Plus $10,000
Chase Ink Cash $6,000
Capital One Venture X $16,000
American Express Gold
Amazon Prime Amex $3,000
Chase Freedom Unlimited $5,000

Tour Manager, FOH Engineer, Concert Promoter, HBIC
Message 8 of 11
911gt34life
Frequent Contributor

Re: Early Exclusion Delete charge-off and collections in seconds

 


@drewricomakeubu wrote:

@NoMoreE46 wrote:

TU is 6 months,

EXP is 3 months and yes try on line.

 

Dont mess with Equifax.


Any secrets to doing EX online? 


i just did 3 account with  experian on 3/16 still waiting will report back soon possible.... 

 



 

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Message 9 of 11
Libra85
Regular Contributor

Re: Early Exclusion Delete charge-off and collections in seconds


@911gt34life wrote:

i did not know about Early Exclusion OMG... just did it online for TU and 

 

INVESTIGATION RESULTS - DELETED: The disputed item(s) was removed from your credit report.

 

it was remove in seconds but tomorrow  do the rest of them for TU...  later on today will try do experian which is 3 month early... Smiley Sad

 

wondering if anyone here been able to remove experian sooner...... 

 

 

 

 

 

 


I've actually had good luck with Experian. I requested for late payments to be removed 4 accounts that are scheduled to come off 7/2023-04/2024. (2) of the accounts CBNA/Best Buy and Cap1 had 10 late payments each and they updated and removed all late payments. TD Bank/Target removed the single late payment. I'm still pending on my comenity/VS 1 late payment. The dispute was only open couple day. 

 

TU finally deleted the CBNA/Best account from my report after putting in 3 disputes in the last month. It kept coming back as verified. Account was paid in full August 2017 and DOFD was 07/2016. 

 

I even pressed my luck with EQ and they removed 7  late payments from Cap1 and 7 late payment from CBNA/Best Buy. Target and VS late payments are still showing. 

 

Current Scores

EQ Fico8 729

TU Fico8 718

EX Fico8 729







October 2021
Message 10 of 11
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