I have an old mortgage late that is the last remaining negative after lots of back and forth the the cra's. The mortgage has been totally removed from T.U., reports as 30 days on Exp and 60 days on Equ. In reality it might have been 30 days once, I missed a late fee, paid the 3000 mort. payment, but forgot to add the 99 late fee. I would love to send the psycho letter, but don't want this thing showing up on TU again. Any thoughts on this??? I have tried everything else, but Exp and Equ don't seem to want to investigate anymore, and the mortgage company seems to be validating.
I doubt it would show up on TU again. When they delete, they do a "hard" delete known as cloaking. I had 4 positive accounts deleted last year thanks to Junum screwing up. I had to fight and fight just to get 2 of them back on. The others they say were cloaked and cannot be re-reported. That being said, I don't know if I would take the chance.
