So I just updated my CR with True Credit today and I had a few changes. The most interesting ones were with TU. I have 2 collection/charge off accounts since the end of last year. I had settled the account for less than the full balance. It has since always been reported as Closed, Collection/Charge off. Today my Chase and US Bank trade lines were now changed to DEROGATORY. It appears as if TU automatically changed this themselves as the accounts are listed as being reported on 8/1 and 7/1. Anybody know to why this is and the best way to dispute it? Also noticed that I have a few accounts that are listed differently with the CRA's. Some have it as closed and the other will have it as open. Anyone know how to go about that?
