On my TU CR, I have a collection from Zenith Acquistion. It is my only collection. It's from a Chase account assigned to them before I filed BK7 two years ago. (Only TU is reporting Zenith as a coll, CSC deleted Zenith coll there upon a recent dispute, and EX has it as a regular account.)
To clarify, I never paid them anything or conversed with them in any way EVER to age the account.
After I got Zenith deleted at CSC, I decided to dispute it at TU. That's where it got ugly when Zenith decided to play games....
TU March 2007 (Before dispute)....
Loan type: Collection agency/attorney
Remarks: Chapter 7 bankruptcy
Balance: 0
Pay status: Unrated
Date closed: 2/07
Now (after dispute):
Loan type: Collection agency/attorney
Balance: [Blank]
Pay status: Payment after charge off/collection
Account type: Open account
My TU score dropped 32 points and I get "new collection" as a negative factor affecting my score.
I immediately disputed this change and it came back the same. I have not yet asked TU for MOV.
What's my next move?
Thanks for any help offered...
