Well this is sort of bad and good. I have a younger brother who has a similar name and same home address, and social # off by one number. Pretty much, our credit reports were mixed on transunion. I disputed some of his items on my credit report and told Transunion that a lot of the items on my credit report weren’t mine, blah blah, and submitted brothers/mine ids for verification. Long story short, knowing how stupid credit bureaus are, Transunion merged everything under my brother’s name. My credit report got wiped out. Well, this was 3 years ago. Now, my credit is fixed on both experian and equifax with good legitimate tradelines. How do i go about reporting these tradelines on Transunion. I have a discovery card, bofa, macys. Can I send a letter to Transunion with the account numbers? I tried calling discover and they keep telling me they are reporting to Transunion, but when I try to pull credit report from Transunion, it says that my credit file does not exist. I’m sort of in a catch 22. Any advice, opinions, strategies will be appreciated.Â
my scores stink. there is nothing i can do about it except let time pass. i had a tu score of 579. i disputed some info on a charged off cc account. they finished the dispute by putting a balance owed back on it, which dropped my score down to 486. i disputed again to get this corrected, and now my score is only back to 514 after it has been fixed. the credit bureaus and fico are nothing more than a scam to charge banks money to give them info on who they can kill with high interest.
DH disputed some of these due to incorrect balances and he also snet some DV’s but here is what has been deleted thus far:
Genesis Financial
Dakota State Bank
Drivetime Repo- Just wanted the balance updated but they deleted
First Premier
NCO Financial
Arrow Financial
Rowan Collection Agency
GEMB/Wal-Mart
First Bank of Delaware
HSBC
DH’s score went from 460 to 532 and he only has one collection left on EQ that we are planning on PFD next payday
I disputed some items on my credit report and just found that they were deleted……only from Transunion. Do/Should I wait til the others delete or do/should I notify them of the deletions on Transunion? ( Does this make sense)
I did dispute to all three regarding the same errors.