More Deletions

Discussion in 'Credit Talk' started by uniondiva, Mar 1, 2002.

  1. uniondiva

    uniondiva Well-Known Member

    from transunion. They removed one ca account from 2001 and removed the whole providian tradeline, although i was only disputing late pays. this was my oldest tradeline from 1998 and had three late pays. Should I be concerned, or is it better that it is off? Oh yeah, they verified the medical collections, after i know they received validation and estopple..... lawsuit time!
     
  2. marci

    marci Well-Known Member

    Congrats! You are movin' on up the FICO ladder. When TU deletes, it's a hard delete - so that the account can't show up again. Good job!
     
  3. QUEEN_BEE

    QUEEN_BEE Well-Known Member

    Marci,

    What do you mean 'hard' delete? Does that mean that they do not use the cloaking method?
     
  4. LKH

    LKH Well-Known Member

    A hard deletion means that the acct. has been cloaked.
     
  5. Janet

    Janet Well-Known Member

    Trans Union deleted a loan of mine and a credit card when I disputed them as duplicates (all 4, the original loan and cc, and the duplicates). They also had lates. Then when the companies updated the next month, it came back on my reports as never late. I *cross my fingers* have had luck w/Trans Union.

    Janet
     
  6. uniondiva

    uniondiva Well-Known Member

    thanks Janet, I hope it reports as never late if it comes back, however, the penalty for reinsertation of negatives w/o notification in five days could be severe (lol)
     

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