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  1. #1
    pd11604 is offline Senior Member
    Join Date
    Feb 2003
    Posts
    1,199

    Disputed Address Now TL's Gone

    I requested that TU remove a previous address listed since it was a duplicate of my current address.

    They removed the previous address but in the process they also removed the following

    2 Hard Inquiries
    BoA Secured Credit Card line
    Chase AU line
    Paid Civil Judgment (for State Taxes)

    I actually have NOTHING Listed with TU.

    Naturally I would like to keep the Judgment and Hard Inq's off, but I'd want to get the AU account back on since it is from 1989, and it has a CL of $13,000.

    Also, I would like the BoA account back on because that is the reason I got it in the first place, which was to build up a positive credit history

    I probably have an old TU report which shows the long-time chase AU history but does not show the INQ's or the Judgment...should I send them a copy of this report and request that the Chase AU account and the BoA account be re-inserted, or should I leave well enough alone, and be glad the INQ's and the Judgment are off ?

    Sorry for the long post, but I wanted everyone to have all the info

    Thanks

  2. #2
    DanS is offline Senior Member
    Join Date
    May 2003
    Posts
    752

    Disputed Address Now TL's Gone

    If your positive tradelines are still active/open/reporting, they will reappear magically.

    Hold your breath and perhaps the negative TLs will not reappear at the same time. If two or three months goes by and you don't see your open TLs reporting, you could call them and ask them to update your balance, it's in dispute.

    I would tread very, very carefully and avoid contacting TU at all, for now.
    Ch7 BK filed Aug '01 - got $300k+ mtg 5.5% fixed w/5% down and car loan since - no luck, just built up CL w/crap cards and paid them off.
    May'03 ->Apr'04 [fako]-FICO
    EX 580->[695] 712
    TU 590->[680] 697
    EQ 585->[651] 679(BK off, gained 3 lousy points!)
    balance was 18.5k, now $2k! utilization was 95%, now 10%

  3. #3
    pd11604 is offline Senior Member
    Join Date
    Feb 2003
    Posts
    1,199

    Disputed Address Now TL's Gone

    Thanks for replying
    That was my thought to tread very lightly and not stir them up

  4. #4
    Butch is offline Senior Member
    Join Date
    May 2002
    Posts
    6,411

    Disputed Address Now TL's Gone

    Good job Dan.
    Butch,

    Now that you're on your way to perfect credit,
    it's time to step up to the next level,
    Make More Money!

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