Did you send a letter to Jeff Capital citing the ruling and requesting them to remove the TL?   I would, it has worked for many here in the forum.

---

Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 655, Exp 656 AE reject letter.,Eq 639
Goal Score: 700 across the board

Take the FICO Fitness Challenge