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TransUnion (might be long.. sorry.. but please help!)


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Posted by Kevin (24.118.241.79) on June 13, 2002 at 20:17:55:


I disputed some information with all 3 CRAs. So far, I've only gotten the results back from transunion (I had 4 disputes with transunion).

The two items they deleted were a credit card in which I was an authorized user, and a collection accout with GLHEC. Instead of my score going up, it went down 6 points :(

Here're my questions:

1. The GLHEC account was listed twice (GLHEC, and USBANK/GLHEC). USBANK\GLHEC was deleted, but GLHEC remained. Can anyone recommend a way to get it out of there? It was a student loan (Paid collection), and it has a "verified" date of 5/1999, opened: 07/1998, and closed: 10/1997. what can I do?


2. I was 60 days late *once* on a citibank card, and they closed my account. I was never late prior to this incidence, and I have since paid off the account. It's been closed since 04/98, but updated 02/02. Is there any chance for me to either get this off my report or get it to report positively? Do I go to the CRAs, or talk to citibank (I don't think they're very nice though)

3. I haven't been late on any of my accounts in years now, however, a couple of these currently-open accounts are under "derogatory items" because I've been late once or twice on them. Is there any hope for me to be able to get these showing up positive even though they're open and current?

Final question... how soon after a dispute can I file for my next one?

Thanks so much for your help!



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