I started my disputes and the strangest thing happened. I had an account with FirstUSA in great standing. It changed into a BankOne aco**** a while ago, and got reported a second time under a second account. The FirstUSA one never had a late, so i didn't want to dispute that one. I disputed the Bank One account since it was written off as bad debt. I sent out the validation letter to Bank One to which i got back some letter saying that they needed me to sign an affidavit. i didn't bother. I also sent out a dispute letter to the credit bureaus. Now, 2 weeks have gone bye. The First USA accounts that were good were removed from the credit reports and the Bank One is being reported as disputed. Is there a way that they messed up, cause i would like to kepe the First USA one on the account because i think it is a positive one.
wrong account deleted off TU and EQ is it possible those two companies merged together or is the CRA making an error?
Re: wrong account deleted off TU and EQ I think that's what was being said, Bank 1 bought the First USA account or whatever....... Unfortunately, my only thought is that if the First USA account is closed, which it probably was since it became Bank One, then getting the + tradeline back is going to be beyond difficult.......all in all they are actually the same account, in which you defaulted....sorry, but I think you're sol.....dispute the other one as not mine....it'll be tough to track down the original contract...
Re: wrong account deleted off TU and EQ Thanks for the update. about 2 weeks ago i disputed the bank 1 as not mine. so i am just waiting for the status to come back. I know the two companies first usa and bank one are one and the same. the fact remains that they had separate account numbers on it since they called me to find out if i wanted to "upgrade" the first usa account into a bank one account. the first usa account continued to be reported as open and no lates for the past 3 years. Only yesterday did the First USA account fall off the report. Off that topic, would you think that Citi cards are more difficult to dispute with the CRAs. my credit report only shows one CA with a debt. the others are all OCs. the citi accounts are about 1.5 years DOLA. I want them off so that maybe in a year or so a mortgage company would be willing to loan me money for a house.
