Voluntary Early Exclusion by Experian!! Merry Christmas to Me!!

[Dragonfly66]

OK, so here's the deal. I have 2 baddies left on my credit report, both due to fall off in March/April 2017. The worst is a BK13 that I got dismissed. The other is a 2nd mortgage with Ditech that I defaulted on and ultimately settled for less than what I owed. A few days ago my EX score shot up 23 points to land at 702. Needless to say, I was ecstatic. I attributed it to a CLI from Lowes ($300>$5,000) and the addition of my Macy's Amex with a $2,000 SL. It wasn't until I received a paper copy of my EX report in the mail today that I realized they have pulled Ditech off my report early without me even asking! I now realize that was the more likely reason for the 23 point jump. Whatever the reason, I'll take it. Let's hear it for EX giving the gift of EE this holiday season! I had been reading about how difficult it is to get EE's from the CRA's, especially EX. I just tried it with EQ a few days ago and they gave me a hearty "NO", and said I would have to wait for the deletion date. Needless to say, I'm going to at least try to get an EE of this (and my BK13) with TU and see what they say. Maybe they'll be in a giving mood also. Just wanted to share in the event that this helps someone else.

[IH8SPM]

Congrats!

 

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[monanell]

Congrats!

[Rakurai]

Awesome, what's the typical process/argument for getting early exclusion?

[Mido]

Congrats

[Dragonfly66]

Awesome, what's the typical process/argument for getting early exclusion?

It's been a long time since I've asked for one but I used to dispute them as obsolete. That did work once upon a time, but it doesn't seem to be the case anymore. What I've seen in my research on this site is that people have had success actually calling the CRA's and asking for an EE. It can be hit or miss, but some have had success doing it. The most they can do is tell you no.

[paycuthurtme]

 

Awesome, what's the typical process/argument for getting early exclusion?

It's been a long time since I've asked for one but I used to dispute them as obsolete. That did work once upon a time, but it doesn't seem to be the case anymore. What I've seen in my research on this site is that people have had success actually calling the CRA's and asking for an EE. It can be hit or miss, but some have had success doing it. The most they can do is tell you no.

 

 

TU - online works if you're not more than 5 months out.

EX - call the month before the 'estimated to remain on record until' date.

EQ - don't bother

[Dragonfly66]

 

 

Awesome, what's the typical process/argument for getting early exclusion?

It's been a long time since I've asked for one but I used to dispute them as obsolete. That did work once upon a time, but it doesn't seem to be the case anymore. What I've seen in my research on this site is that people have had success actually calling the CRA's and asking for an EE. It can be hit or miss, but some have had success doing it. The most they can do is tell you no.

TU - online works if you're not more than 5 months out.

EX - call the month before the 'estimated to remain on record until' date.

EQ - don't bother

This is good to know. I wonder what made EX delete early for me without my asking them to. Not that I'm complaining. I'm definitely going to try TU after Christmas.

 

 

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[BattleCPT]

That must be what happened to me. I was ecstatic when I looked at my last CCT statement and noticed EX and EQ dropped off an $899 med collection that wasn't due to fall off until Oct 17. It's still on TU though. I also got a 23 point increase. It confused me at first but hey, what a great feeling.