Can anyone tell me which date is used by TU that starts the 7yr clock? If this has been said before I apologize. Is it the opened date, closed date or the status as of date? Thanks!
Spoke to rep today and she stated that the dates that they use to determine the 7yrs, are seen on your CR as VERIFIED, CLOSED, PAID. Also, I found out that they had two files on me b/c I went by my middle name on certain accts and by my full name on other accts. She stated that to merge these two files would take 30 days. Does anyone know if this is correct? Rep stated that it would take that long b/c it had to go their Acct. Merging dept, and b/c of the amounts to be merged into one file. Is this BS? Does anyone have a clue?
I don't think so. When I ordered my TU report I received one report and on it was AKA: here is where my married name showed up then it shows: Consumer report for: here is where my maiden name shows up I did not request a merged report. I simply requested my credit report and I received the one with both my maiden name and my married name.
