Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
Re: Transunion Balance dispute

Are you applying for a mortgage anytime soon? If so, I'd wait until your are done. If not mortgage or refi down the road, it might be worth a dispute if you don't get anywhere with the OC. It won't help your FICO, but you'd want it to update sometime otherwise it'll continue to report the same. Before you dispute, make sure you were 100% on-time in any month that it shows "OK". Some creditors have a nasty habit of adding lates where there were none reported before. They go back into your payment history in their records and update accurately.