TU has CO and its not!!

[Anonymous]

I just found one acct on my DH's transunion report that is showing

collection/chargeoff

balance 1515.00

past due 66.00

payment reported 2005

This acct was in collections in 2005 with the OC but we have been making payments on the acct since then with no late payments.  The balance is down to 47.00.   Both of his other reports  show all payments since 2005  open/current

I am thinking I just need to dispute with transunion balance incorrect  missing payment etc.  

I have read where some people say don't dispute online.  This seems very straightforward to me. 

Ok to dispute online?  suggestions?  This is his worst score  490 the others are 581 and 552 so hopefully this will help some.

Thanks a lot!!

[Anonymous]

I would send a PFD on this account   offer full payment. You want this OFF your CR  a CO paid or unpaid is a killer!

[Anonymous]

But it is not a charge off.  On both my other reports it shows as current.  It looks like they havent reported since 2005 to TU.  If I dispute with TU don't they have to report it as current with my payment history??

[Anonymous]

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love2golf wrote:

But it is not a charge off.  On both my other reports it shows as current.  It looks like they havent reported since 2005 to TU.  If I dispute with TU don't they have to report it as current with my payment history??

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They will update it  which make it become current & your scores may drop.  After it is paid it is up to them how it is reported.  Paid or unpaid makes does not matter as scores go, This is why you want it off CR  it is a baddie!  BUT  it must drop from DOFD

[Anonymous]

Ok.  Thanks Happy Days!  I will give it a try.