Jump to content

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


Dragonfly66
 Share

The last post in this topic was posted 1857 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

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! :clapping::yahoo: 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.

Link to comment
Share on other sites


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.

Link to comment
Share on other sites

 

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

Link to comment
Share on other sites

 

 

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.

 

 

Sent from my iPhone using Tapatalk

Link to comment
Share on other sites

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.

Link to comment
Share on other sites

The last post in this topic was posted 1857 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share

  • Similar Content

    • By CandiedCredit
      I sent out a validation letter to a medical collection on the 1st. today the 17th i got an alert that a new account was added. The account was never removed to my knowledge but it is the same Collection but now the balance says zero.  Why would they do this? I haven't received any response from them.   Should I wait the 30 days to see if they remove, or move forward with another letter?  Thanks for any response 
    • By Dawn0912
      I am trying to help a friend out that does not have access to the internet. He said the templates are nothing more than pre-done forms to remove or amend credit errors. I have been looking for hours. I was wondering if anything can either attach or tell me where to find them. 
       
      Thank you!!
    • By CandiedCredit
      Hi everyone, I am a bit confused about a letter I have received from Wells Fargo. It is an old auto loan that was charged off in 2018 (repo).  I have only removed addresses and frozen lexisnexis,innovis, etc at this point. I received a letter from WF stating that due to the age of my account they are cancelling the balance, and will no longer attempt to collect. This seems strange to me that they would voluntarily cancel a debt before I've disputed anything. What should I do if anything regarding this letter. I'm hoping the credit Gods are just dropping a blessing down on me  
    • By silentjc
      Finally posting on this forum after gawking for a while. 🙂
       
      I've been working on my credit repair the last couple of years and am kind of at that point where I'm not sure if there is anything else I can do but wait it out.
       
      Had a medical issue back in 2016 / 17 which contributed to somewhere around 12 account charge-offs and a car repossession. Over the past year and a half, I've been aggressively paying the accounts off (all are at zero balance, settled), disputed as many as I could (several fell off, am doing another round this month), opened five rebuilder / secured / sub prime cards starting two years ago (Citi Secured, Self Secured, Cap 1 Secured, Cap 1 Unsecured, Credit One Unsecured), did the Self Lending self loan (like 6 months left on that one), Experian Boost, have had a high interest car loan the last two years, am about to replace it with a newer car loan at a lower rate, and obviously keep cards paid off every month and paid on time (*accidentally had a 30 day late when I was changing banks and forgot to update the account that was on autopay). 
       
      Looks like stuff starts aging off in 2023 and 2025. Scores went from the low 500s to 696 Trans, 712 Equifax, 625 Experian.
       
      The problem I'm having is that even with everything settled, zero balances, and "good" scores," I'm still in purgatory when it comes to getting an actual decent points card. Capital One gave me an unsecured one a few months ago, but it's a $300 limit on a non rewards card. And since I already have two cards with them (one which is my oldest card now), even though their my "best bet" in the nearterm for a better card, i'm at their card limit. 
       
      Goal Cards in the future are Chase Sapphire, AMEX Blue, AMEX Gold, and Citi Premier. 
       
      Current plan is to just keep sending dispute rounds every few months, keep balances at zero, not apply for anything new at least until early 2022. 
       
      Is there anything I'm missing? Anything I can do sooner to help compensate for the scars from the past on my credit report?
    • By NewlySeperate
      I’m newly separated and I’m trying to re-establish my credit and financial independence.  There are 4 collections on my credit report that my husband was responsible for when we were together in 2020.  We both had extensive blood work done by a lab of which he was paying. We separated and he has not been paying so it went to collections and showed up on my report. 
       
      I just disputed them online a few days ago and am waiting to see if they are removed. It has my name and not his. Is it even conceivable they will be deleted?  My score is in the 500 range right now. I don’t have much credit but want to repair and build.



  • Member Statistics

    • Total Members
      183,340
    • Most Online
      2,046

    Newest Member
    crileyhome
    Joined
×
×
  • Create New...

Important Information

Guidelines