I checked Credit Karma tonight and saw that one of three derogatory accounts had fallen off 3 months early. I was curious how this happened and while Googling I stumbled across the term Early Exclusion and learned that I could make the request directly with each bureau. I've just spent the last THREE hours doing this and I'll share what I did.
Transunion:
I called and got an overseas call center agent who was unfamiliar with the term. I requested a supervisor, but still had to go through their call script and repeat myself 3 times. Finally, I was transferred to a supervisor who removed the 2 remaining items immediately.
Experian:
It is a bear to get a human on the telephone using their phone tree. I had just signed up for their membership to get my FICO 8 scores and used that number to get a person on the phone requesting membership help. When I got a human on the phone I asked to be transferred to someone who could help me with my credit report. After speaking to a rep who couldn't said it couldn't be done, I asked to speak to a rep in the USA. After 20 minutes on hold, I finally got someone, then got disconnected. I called again and said that I had been speaking to a rep in the US and got disconnected and I was transferred to a US rep. If I had to do it again, I would just use that line instead of having to explain myself.
The rep I got said it couldn't be done and I would have to wait until 1/21/2020 for it to automatically fall off. I asked to speak to a supervisor and the rep came back and said it COULD be done. He submitted it for removal and they are supposed to call me in a few days. I'm dubious about this one, but we'll see.
Equifax:
Very similar experience to the above. I spoke with a rep, then a "supervisor" both in an overseas call center. Neither were familiar with the term Early Exclusion. I requested a supervisor in the US and was told they would tell me the same thing. Undaunted, I asked to be transferred anyway. A nice man answered and it took him less than 5 minutes to remove the two accounts. He put them in "Suppression" which I assume means that if these two continue to report delinquent, it won't revive them.
Of the three accounts, the one that came off early without me having to ask was due to fall off 1/2020. The other two were due to fall of 3/2020
My credit karma score with TU was 639 FICO-3, and is now 739 with FICO-8. Credit Karma hasn't updated yet so I don't have an apples to apples comparison.
Submitted October 23, 2019 at 08:35PM by KarmaRan0verMyDogma https://ift.tt/2qFvp1P
