I've only been doing this since November, so please bear with me. Do I have a segregated file, or did a delete-happy (HA!) TU person totally trash my file? Here's what happened... I ordered a report in November. The report showed that I've been in their files since 10/1988, and it had 7 derogs and 9 positives. I did a couple of disputes for stuff I didn't believe was mine...some things came off, one verified. Fine. Then in 02/02 I requested a report in my new married name. Everything still looked pretty much the same (except of course for what was disputed off). I did a couple more disputes, etc etc. Ordered the report again in mid-March to do a couple of more disputes. (This one still shows that I've been in since 10/88.) Everything peachy-keen. Then at the end of April, I did an online dispute without ordering the report again. Well, the NEW report was sent to my house today...and FOUR of my positives tradelines have been totally deleted (I did not dispute a THING on them), and I only have two negatives. Here's the kicker: it shows that I have been in their system since 2/2002 (the date I first ordered the report in my married name). Um...no. While I like the fact that I'm down to 2 negs on this report (and my BK7 is GONE), I do NOT like the fact that my positives have been cut down to half...and all of that old, old good history is gone, too. What is my first step, please? Please, please help me with this. I am like 2 inches away from getting my home loan (of course I'm working with EQ and EX as well).
Other thoughts on this: 1) If, indeed, my file has been segregated, what are the best steps to take to merge the two? I understand that with a file segregation, creditors will still see both of my files....however, how am I supposed to dispute the 7 negative entries the creditors see if I *only* see this wimpy report with only 2 negs and 5 positives? 2) My score has gone up a teeny bit, but if they had deleted all of that negative and LEFT the old positive stuff, it should have jumped a lot-- correct? Thanks again...I really hope someone can help. Future1966
