I had my meeting with TU today, did NOT go anyway I expected. They are so ignorant. I sent them 27 pages of evidence that either they or the OC keeps re-aging 2 of my tradelines. I also asked them why 6 of my best positive older tradelines were deleted, and I asked about accounts not being marked in dispute. First, we discussed disputes. She informed me that the disputes are supposed to come from the creditor, not the CRA. If the account is not showing in dispute, it is not TU's fault. Talk to the creditor. I expect3ed something similar. Second, we discussed my 2 accounts being re-aged. She did inform me that this WAS a problem and she doesn't have an exact answer for me, that she is indeed looking into it. I told her that the re-aging of these accounts makes it look like a recent charge off/repo and not one that is really six years old. But, as a favor to me, she will go ahead and place both accounts back to the original closed date for me. Nothing about deleting or removing. When asked, she responded "We cannot just delete this account, I will CORECT it for you though"...how nice... Third, was 6 positive account tradelines. These were about 6 years old. I asked why they were deleted, she informed me of the 7 year reporting period. These accounts were due to fall off anyway. I asked about the 6 1/2 year old Nissan repo they just re-aged, why didn't they just bump this one. "Well because it is showing a new closed date and our computer didn't know it was 6 1/2 years old. I asked if these accounts could be put back on and she said no. Besides, your Nissan account is due to fall off next year. I don't know what to do here. Should I just send all this evidence to them without going through the Managers, and just send an ITS and see if someone lower on the totem pole would listen? I thought I would get some deletions out of it at least. I guess not.
I didn't think the 7 year reporting period "had" to apply to positive accounts, just that "negative" info could not be reported for more than 7 years. I don't think therer is anything that says account info "has to drop off" after 7 years. One credit repair book that I read a few years back said that one way to improve your credit score is to ask that good, positive account remain on your CR, even those that are more than 7 years old. FedUp2003
TU's site states that positive accts will remain on record for 10 years. I think since that is from their own site, you can use it against them. However, nowhere is it written that positive tradelines must remain for 10 years.
