Hello All I finally have my results back from the dreaded transunion. They removed a 90 days late from one of my accounts. The only 2 negatives I have on my account now are: (1) 30 days late with Sears (1) 30 days late with Capital One When I check my FAKO Score (The score they tell you on your tu report) They said I have a 799 This is a serious jump from the 670 I started with 4 months ago. Heres the problem, They said that my credit limit was $300 on my Sears MC when it's actually $2700 with no balance. Should I dispute or let it clear itslef up?
i would dispute it. depending on how long you had the account and since the one of the only two derogs that you have is with sears, i would dispute it as incorrect balance and if sears doesn't respond, they would delete the account and your late would be gone, but if you have had the account for a really long time and since it is paid in full and you have 1 late on it, why don't you try the goodwill letter to the company or the pfb route? you may not want the cra touching a relatively positive account. imo
I wouldn't dispute it just yet - TU likes to delete positive tradelines, to let you know they don't appreciate you. Wait for the next update and see if it clears up by itself.
