Posts: 27,207
Registered: ‎09-13-2012
Re: Very confused now- please help
First, if Cap 1 is reporting as AU and not individual that's a problem. If it's is, there are some lenders that discount AUs ( sounds like Barckays is one) and consequently their scoring will 'remove' that accounts history from your score.

When you get your letter, get a copy from TU and make sure it reads as individual. If it does not, dispute the reporting and once updated have TU forward a copy to Barclays. Chances are they will want to re-pull your cr but if it's that big of difference it might be well worth the HP.