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@AlphaKenny wrote:Ok so I just back doored my TU report and this tradeline is even more confusing than the other two CRA's. TU has only 5 months of reporting (the first 5 months including a 30 day late 08/2009). Then in the the "Pay Status" section it says "Account Paid in Full, Was a Repossession". Also, in the "Remarks" section it says "Paid Repossession". Technically that is accurate, but since there isn't a "RPO" code in the Payment History, is this even coded as a repo? Also right under the "Date Closed" there is another remark saying "Maximum Delinquency of 30 days in 08/2009". THEN it says the estimated time that this item will be removed is 03/2016. Based on that date, it seems like they are just using the start of the loan or the 30 day late as the DOFD. Should I leave TU alone, or is there a secret coding that I can't see that shows this as a repo?
to get a much accurate reporting, it's better to get a hard copy of each report. then i'd opt-out and delete old addresses. dispute with CRA JA style. also keep sending a GW letter, find executives' email address or physical work address (CEO etc. of the CU). good luck!