Has Anyone Had Recent Luck with Experian Early Exclusion EE ?

[drewricomakeubu]

Just spoke with Experian. I couldn't get them to remove anything but did find out that they do have an internal date that stuff is removed. 

All my charge offs all have "on record until" date as July 23 from annualcreditreport . com. They told me they will all be removed on June 18th. 

My collection "on record until" date is June 23. They said it will be removed 6/8. 

All my stuff is unpaid though maybe why they won't remove it. 

[Rogue46]

Experian seems to be the hardest nut to Crack. I disputed all 3 and only had luck with TU

[jade200]

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@drewricomakeubu wrote:

Just spoke with Experian. I couldn't get them to remove anything but did find out that they do have an internal date that stuff is removed. 

All my charge offs all have "on record until" date as July 23 from annualcreditreport . com. They told me they will all be removed on June 18th. 

My collection "on record until" date is June 23. They said it will be removed 6/8. 

All my stuff is unpaid though maybe why they won't remove it. 

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I was given a July 2nd and a July 23rd date for July removals. Ugh. I'll keep trying after 4/2.

[creditduck1]

Me! I had one CO reporting expecting to be deleted 09/2023. I called and they said they couldn't do it but it updated on my report as deleting 04/2023. Disputed online and they deleted next day. 

Also got a collection removed that was expected to be deleted 05/2023

[Jeffster1]

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@Jeffster1 wrote:

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@jade200 wrote:

Happy Friday!

I've read mixed things about Experian as to whether anything will be removed prior to the (3) month on record date. I've read that they will only remove up to one month early, due to a "baked in" date and have also read they'll remove earlier.

I am currently in the preapproval stage of a mortgage and am waiting for some old CO's to drop off. Luckily, they have dropped of TU and it gave me a hefty 67 point increase (after dropping (3) CO's- Toyota, WF and USAA below). Anyone have any advice? Thank you!

USAA on record date: 7/23

Toyota on record date: 7/23

Cap One on record date: 8/23

Wells Fargo on record date: 8/23

Cap One on record date: 9/23

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Your post  reminded me to take a look back at my EX. 

In early January, I asked for EE on two Patelco CC accounts that were later IIB. The DOFD was March 2016. Both were removed. 

A couple days later, I asked for EE on two Penfed CC accounts. DOFD was September 2016. 

The Penfed dispute came back denied, with no changes to my credit report. After reading your post, I looked back at my EX, and both Penfed accounts are now gone completely, Looks like they did the EE after all, despite EX telling me they would not delete the Penfed trade lines at that point. Odd. But I'm not complaining. 

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I just submitted a dispute with EX for EE on an account set to drop off in September. A bit early, but just like with my Penfed dispute, I'm hopeful to get another early deletion. We shall see. 

[jade200]

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@Jeffster1 wrote:

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@Jeffster1 wrote:

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@jade200 wrote:

Happy Friday!

I've read mixed things about Experian as to whether anything will be removed prior to the (3) month on record date. I've read that they will only remove up to one month early, due to a "baked in" date and have also read they'll remove earlier.

I am currently in the preapproval stage of a mortgage and am waiting for some old CO's to drop off. Luckily, they have dropped of TU and it gave me a hefty 67 point increase (after dropping (3) CO's- Toyota, WF and USAA below). Anyone have any advice? Thank you!

USAA on record date: 7/23

Toyota on record date: 7/23

Cap One on record date: 8/23

Wells Fargo on record date: 8/23

Cap One on record date: 9/23

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Your post  reminded me to take a look back at my EX. 

In early January, I asked for EE on two Patelco CC accounts that were later IIB. The DOFD was March 2016. Both were removed. 

A couple days later, I asked for EE on two Penfed CC accounts. DOFD was September 2016. 

The Penfed dispute came back denied, with no changes to my credit report. After reading your post, I looked back at my EX, and both Penfed accounts are now gone completely, Looks like they did the EE after all, despite EX telling me they would not delete the Penfed trade lines at that point. Odd. But I'm not complaining. 

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I just submitted a dispute with EX for EE on an account set to drop off in September. A bit early, but just like with my Penfed dispute, I'm hopeful to get another early deletion. We shall see. 

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Keep us updated!