I disputed TU online two charge-offs that were not mine. A week later I signed up for TrueCredit and noticed no derogs. Two two accounts did not show up on my TrueWatch credit report. FICO 660. A week later I went to bank to apply for car loan. They pulled TU (account review). No derogs, approved. Then (only 2 weeks since dispute) I applied for Chase Stockback online. Today I receiver a letter saying they pulled TU and was not approved due to charge-offs. Does anyone know if TU/TrueCredit show a *different* CR to individuals than it does to lenders? My TrueCredit monitoring notified meof the Chase pull, but has not notified me of any derogs showing on the report. I had assumed that after my initial dispute since the derogs were not mine that TU simply deleted them when I pulled my CR a week later. So I went ahead and applied. Is it possible that the AR pull by my bank shows different data than a hard pull by Chase? Both my EFX and EXP lists the disputed chargeoffs as "in dispute" but the TU report didn't show them at all, so I thought it was deleted. Does TU put these "in dispute" and shows them to lenders but does NOT show them to individuals? My TrueCredit monitong still has not notified me of any derogs. I'm so confused! Thought I would get Stockback with what I thought was a clean TU.
