Member
powellfamily2009
Posts: 15
Registered: ‎09-08-2012
Re: Transunion Credit Report Inaccuracies

What is the impact if those IIB accounts are showing a "Current Balance"? On my Experian and Equifax files, a number of the IIB trade lines still showed a balance owed even though they were included in the Chapter 13 plan. The result was that my DTI was thrown way out of whack when in all actuality I no longer owe the balance (As long as I make my Chapter 13 payments obviously). I've been disuting the crap out of themt o try and get them to fix it. Correct course of action or should I stop wasting my time???

Trans FICO = 660 (01/6/2013) Equifax FICO = 654 (01/6/2013) Experian PLUS = 656 (1/6/2013)
Wallet = AMEX Prepaid with $300 every 2 weeks deposited, Cap One (Formerly Orchard Bank) $500 CL in SOCK-DRAWER, Credit One Bank Visa $1000 CL in SOCK_DRAWER, Discover Matrix $300 CL in SOCK_DRAWER, Fingerhut Charge Account $300 CL in SOCK_DRAWER, and Barclaycard MC with $1300 CL
Goal.....To break 750-775 by the end of 2013
DId not reach my 2012 Goal of 700... :-((