Well..since I have been helping my friend get his credit repaired, I thought I would pull mine as well. My TU report shows only one adverse account which is a Capital One..I had 2 late payments 2 or 3 years ago when I moved for one summer while in grad school. Tried a year ago to get them deleted to no avail. Here is my question - I have this Wachovia account /credit card that keeps popping up that I don't believe I ever had. Wachovia has no record of me having an account when I called them on the phone 2 years ago about it. Now..I just noticed that the account number on the Wachovia is the same as that of an ccount listed as First USA. It says it was opened in 12/94 and closed in 1/95 which is over 7 years ago. The listing for Wachovia just says purchased by another lender and says opened in 12/94. How do I get rid of this? Dispute with credit bureau? And shouldn't this be off if it was closed over 7 years ago if I even did have the card? My score on TU is 742 so it's not awful but would like to have correct information. Thanks!
Ok..I will dispute ..thanks!! I don't understand why it is still showing up though. The report says the account has been closed since 1995!!!! I will try disputing it again. They didnt take it off in 2000...ugh... and now it shows up as 2 accounts!
I have duplicate accounts too from Wachovia and Fisrt USA. I disputed as not mine and the dups were removed. Now I'm trying to get the other removed.
Ok..I am going to try that. Thanks! What I don't understand is..the account was closed over 7 years ago...grrr
That's interesting to hear (First USA bought Wachovia) cause I disputed a First Union credit card that was "included in BK" on my report and it came back verified. It lists on my reports as Wachovia/FTU cause Wachovia and First Union merged and kept the Wachovia name. I just wonder who would supposedly be verifying such an account from 2 takeovers back. Probably no one at all. Maybe I'll make this my first procedure request.
