I had a copy of my Transunion that showed a late payment on a car from 1995. I paid this account on time and as agreed and Experian deleted it when I wrote in. I sent a letter of dispute saying the same thing to Transunion and today in the mail I received a copy of my credit report from Transunion. No letter stating that they investigated this item or anything. I have a worthknowing version of my report from July and it just says Delinquent account but does not have anything written in the 30, 60 or 90+ days box. The report I got today still has the Ford account on it and it reads like this: Opened: 1991 Closed: 1995 Status as of 10/95: 30 days past due In prior 12 months from date closed never late What does that mean? Did they revise it or does the worthknowing report always leave out info?
Worthknowing is not detail. It leaves out ALOT. You should always go by the reports directly from the bureaus over online versions.
