Received my updated report from Transunion today. They deleted one trade line as asked...a CC that was sold and still listed as open with a huge balance. They also updated my sold mortgage and all the little retail accounts that were still listed as open, but really closed. I am very impressed. They were very easy to work with as sent me update letters each time they received anything. One last thing to do is another letter to Providian (do I hate these people) asking or demanding that they update my report. Last update was 11/1999 and I owe barely 1/3 of whats showing on my report. Now just to wait for Experian and Equifax. Experian has already been updated once, but I had to re-dispute one item. The one I am worried about most is Equifax. They are the CRA of choice pulled here in VA and I really don't want to have to get ugly if they don't accept anything. I'll keep you all posted! Thanks for the support. Judy
RE: Success with Transunion di Judy, if you go to Providian.com I believe you can write directly to a supervisor and they also list a phone number which you can speak directly to a person. This is how I finally got them to remove an incorrect late pay. Mom
EXCELLENT! Good work, Judy! I'm delighted to hear about your success. And I agree: Transunion is the easiest of the three bureaus to work with. At first, I thought Equifax was going to be the easiest, because they granted my first deletion, but not so. Since that time, they've been really hard to budge! With Transunion, I got off to a slow start but now my report is looking pretty good. There is only one negative left and it isn't even all that bad. Keep us posted. I hope Equifax and Experian come through for you, too. Donna