I think I may have a perfect case for the CYA Manipulation letter, I just need some re-assurance. Let me explain briefly, TU has been re-aging my 2 worst tradelines, Sears and Nissan, I believe it is re-aging. My closed date on these 2 accounts has changed 5 times each on my last 7 reports. I called TU about my split file and missing tradelines. I mentioned to them vaguely about these accounts and their closed dates changing. TU said that they are probably updated monthly by the OC. TU says they have no access to change these tradelines. I don't believe them. So here is where I need a little advice. Should I now dispute these closed dates through TU before I send the CYA Manipulation Letter, and see what they come up with. OR: Since I already have the proof on paper that these changes have been done, do I just send the CYA letter to the OC's (changed as to my situation, of course) asking if they have updated these tradelines inaccurately? Sears, I believe, update every month, but I doubt they constantly change the closed date. Now in my letter should I explain to the OC's what exactly has been changed on my reports? I mean should I tell them these closed dates have kept changing over the past 5 months? Any advice is welcome,
The TL should be disputed with TU first. If the date closed gets verified and you know its inaccurate then send the letter. Otherwise the TL should be disputed twice. The reason is the second time around TU is even more less likely to do an investigation. After all they verified it once. Keep it vague. The goal is to get written confirmation that the CRA didn't investigate so you can take the CRA to court if need be. Make the OC wonder what the heck your up to.
