transunion is tricky. My mother in law had some issue with them, submitted documents that proved error and even stated the item could be removed from her credit bureau; but instead of them removing it, they kept it on and stated that it was "updated" paid in full and closed. All the other bureaus took it off. You have to be careful, becuase instead of getting better it could get worse.
Another example, My WAMU account balance was showing inaccurately on my bureau. We asked Transunion to update the report, what happened was they COMPLETELY REMOVED THE WAMU account from my bureau and that was my oldest account and one of my largest loans. My score fell by 60 points. They advised they would put it back on in a few weeks. I am also in the process of getting a mortgage - boy was I not happy. Luckily my scores were good enough without that tradeline, but I would have had one of the lowest mortgage rates around if they hadnt messed up. Oh, heres the kicker, when I called them on it, they stated my credit card company authorized the removal. My crdit card company told me they never got such a call - I dont know who's lying. But just be careful. Ask your loan officer what to do or work on your other bureaus. Experian seems more flexible. Try to get your equifax score up also, and that should help.