I got back my Equifax and Experian reports earlier in the week. Junum managed to get two out of three negatives off of each report, to include a Credit Union charge off from 1995 for the incorrect amount of $20K (actually only $200), which was really bothering me, looking like a 20K charge off. I disputed it a year ago, and it came back verified. At any rate, today I get my TU report back, and again, 2 out of my three negs were deleted, great I think, until I noticed the Credit Union charge off, WHICH WAS NEVER ON TRANSUNION IN THE FIRST PLACE, now shows up on TU as "verified" with a CHARGE OFF DATE OF 2/2001!!! The amount is now correct, but now it looks as though I have a brand spanking new charge off! How did TU "verify" something that was never disputed because it was never even on their report? And, does Providian or Cap one use TU to check credit? I was looking forward to some line increases soon, especially from Providian, and I'm sure a new charge off will kill that! Not that the date is correct, but now I'm worried it will take forever to get this corrected or removed! How do I deal with this? Let Junum handle it, or do I need to get on the ball myself and take care of this? Any help greatly appreciated. This one hurts, I'd have been better off with it on my Experian as it was, a 5 year old charge off. Thanks.