If TU is pulled it results in an immediate denial. If equifax who has the 95 date and the 30 day lates are not on it, I get a low limit and crappy interest rate. If exp is pulled where none of this stuff is on it, I get good rates and limits. Lex has not been able to get this stuff deleted nor was I personally able to get them to show the delinquency dates. Does anyone out there think I have a case to sue in small claims court for the denials? For me it seems pretty obvious that if the dates were on the charge off and the lates were removed (I have proof of payment) that I would be breezing through these applications. Basically, I want to buy a house and I have 2 things going against me: how does TU know when to delete this account when no record of the charge off date seems to exist in their records (it should fall off within the year)? and if they ignore good evidence the lates are incorrect what more can I possibly do?