Re: TRANS UNION IS THE DEVIL & Don't dispute it either
07-28-2009 08:10 AM
I have read recent reports that certain lenders are doing this. I believe it is because they believe that the disputed tradeline is excluded for scoring purposes. For some reason I thought this was only true for Equifax in reality. I know that the disputed remarks stick around long after the dispute has been resolved (resolved in the eyes of the CRA). The lenders do not seem to realize this and assume you are trying to manipulate the scores. The only thing I can suggest is use a different lender. An experienced broker usually knows which lender to direct your file to once they see your credit report. I know plenty of folks who have successfully refinanced with a ton of old diputed remarks on their tradelines and they were never questioned. Good luck with getting TU to remove the remarks. They are usually the most compliant and consumer friendly so that surprises me.