I've found myself with what I think is a golden opportunity to stick it to TU and I'm not sure how to go about it. Here's the deal: I got a mortgage from LoanWorks (IndyMac) in 10/2002. Countrywide purchased the mortgage in 12/2002. TU began listing both mortgages as open ($134K each). I disputed the LoanWorks entry back on July 17th as being sold/transferred with $0 balance. TU told me today that LoanWorks responded yesterday and said the TL was correct (open with balance of #134k). Here comes the damages part: I applied at Beneficial for a $7K personal loan to consolidate the balance of a high-interest car loan and some high-interest credit cards (remnants of my 550-FICO days) and was told they cannot approve the loan because TU says I have two open mortgages and my debt-income ratio is too high. She said if I can prove COuntrywide bought the loanworks loan, they will approve it. I called LoanWorks last night and they said they will fax corrections to TransUnion today and to me as well. I don't think TU ever verified. If I can get written acknowledgement from LoanWorks that they never verified, what's my next step?