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Openwater
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06-10-202410:22 AM
06-10-202410:22 AM
Re: TransUnion Data Points for Early Exclusion EE
So today, I get an Experian alert that my score has gone up, and I checked to find my BK7 removed. I followed up by calling TU and the agent said to file a dispute online. I did and instantly my BK7 was removed from the report.
Then I called Equifax, and after about an hour of phone time, they told me they could not remove it yet. My discharge date is 9/5/14. They told me to wait 3 months. So 2 out of 3 aint bad.
Should I try to dispute online requesting EE like I did with TU? Or just wait it out? Thoughts?
Discover 22K ---------------------------- Credit Union MC 17K
Cap1 QS 11K ---------------------------- Barclay 3.4K
AMEX Blue Cash AU 15.5K ------ Barclay Apple AU 10K
AMEX BCP 15K
1 Installment loans:
Auto 60K /
AMEX Hilton Aspire 25K
Vantage 3.0: TU:738 EQ: 737 03-17-2020
Ch. 7 DC 12/2014
Message 11 of 18
1Kudo
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MissLiz
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06-10-202406:02 PM
06-10-202406:02 PM
Re: TransUnion Data Points for Early Exclusion EE
@Openwater I know it's so tempting, but you're almost at the finish line and from everything I've read on here about EQ, the risk is just too high. I think you should wait it out.
“A woman’s best protection is a little money of her own.” – Clare Boothe Luce
Message 12 of 18
3Kudos
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DoppelgangerD
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06-10-202406:21 PM
06-10-202406:21 PM
Re: TransUnion Data Points for Early Exclusion EE
Based on everything I've read, EQ is the toughest nut to crack, and they do not like it if you hound them about EE.
There's a 99.9% chance they will not remove earlier than 30 days before it's supposed to fall off, and when that time comes, they will do it without being asked.
That is also exactly how it happened for me just a few months ago with my BK7.
Now I am FREE FREE FREE!
Like a monkey off my back!
Never again...
Message 13 of 18
3Kudos
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Capricornwon
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06-10-202406:29 PM
06-10-202406:29 PM
Re: TransUnion Data Points for Early Exclusion EE
Congrats on the removal. Mine is do to fall off in Sept. on EXP as well. What was your process of removal for Experian? I heard EQ only does Early Exclusions 1 month early.
Message 14 of 18
Openwater
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06-10-202406:32 PM
06-10-202406:32 PM
Re: TransUnion Data Points for Early Exclusion EE
@DoppelgangerDand@MissLiz I guess you are right, being this close. Might as well suck it up until the time comes... Not really what I wanted to hear, but needed to hear. I hope that it happens automatically 1 month before as well. Thanks for the advise.
@CapricornwonExperian just came off today. I was reading my emails this morining and got a notification that my EX score went up 67 points. I looked and it was gone. Then tried the other 2, TU worked, EQ not so much....
Discover 22K ---------------------------- Credit Union MC 17K
Cap1 QS 11K ---------------------------- Barclay 3.4K
AMEX Blue Cash AU 15.5K ------ Barclay Apple AU 10K
AMEX BCP 15K
1 Installment loans:
Auto 60K /
AMEX Hilton Aspire 25K
Vantage 3.0: TU:738 EQ: 737 03-17-2020
Ch. 7 DC 12/2014
Message 15 of 18
3Kudos
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Capricornwon
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06-10-202406:40 PM
06-10-202406:40 PM
Re: TransUnion Data Points for Early Exclusion EE
Congrats!!
Message 16 of 18
1Kudo
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Capricornwon
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06-10-202407:05 PM
06-10-202407:05 PM
Re: TransUnion Data Points for Early Exclusion EE
Awesome, I'll be keeping an👀 onmy Experian alerts.
Message 17 of 18
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DoppelgangerD
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06-10-202407:29 PM
06-10-202407:29 PM
Re: TransUnion Data Points for Early Exclusion EE
@Capricornwonwrote:Congrats on the removal. Mine is do to fall off in Sept. on EXP as well. What was your process of removal for Experian? I heard EQ only does Early Exclusions 1 month early.
General rules for EE from TU, EX and EQ...
TU - 6 months early
EX - 3 months early
EQ - 1 month early
Message 18 of 18
1Kudo
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