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2 Deleted collections from TransUnion

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Moni209
Contributor

2 Deleted collections from TransUnion

I started a despute via CK asking TransUnion to look into one of my collections only 3 days ago and this morning I woke up to the surprise of that collection being removed plus another one now Im only down to 2 Medical collections! Im súper excited just wanted to share.


Current Score: 4•29 | EQ 666 | TU 673 | EX 666
Goal Score: 730
8 REPLIES 8
djpete
Established Member

Re: 2 Deleted collections from TransUnion

Congrats. My wife and I started with over 20. I'm down to 4. She's down to none Smiley Happy


@Moni209 wrote:
I started a despute via CK asking TransUnion to look into one of my collections only 3 days ago and this morning I woke up to the surprise of that collection being removed plus another one now Im only down to 2 Medical collections! Im súper excited just wanted to share.

 




Total CL: $21,650 | Scores as of 2/8/2023:
Denied for $200 secured credit card 12/2020. Come a long way since!
Message 2 of 9
Anonymous
Not applicable

Re: 2 Deleted collections from TransUnion

What reason did you select when disputing?
Message 3 of 9
FireMedic1
Community Leader
Mega Contributor

Re: 2 Deleted collections from TransUnion

Congrats!


Message 4 of 9
Anonymous
Not applicable

Re: 2 Deleted collections from TransUnion

Congrats! What reason did you select for the dispute?
Message 5 of 9
Anonymous
Not applicable

Re: 2 Deleted collections from TransUnion

Congratulations on the deletions!
Message 6 of 9
RobertEG
Legendary Contributor

Re: 2 Deleted collections from TransUnion

Deletion by the debt collector may well have resulted from their reporting of deletion, and not a finding in the dispute per se that the collection was improper, and thus deleted by the CRA as being unverifiable as to legitimacy.

 

The debt collector, upon receipt of notice of the dispute, may have determined that they no longer have active collection authority, and thus deleted based on CRA policy to delete and unpaid collection once their collection authority is terminated, rather than a finding that the dispute mandated removal.

Message 7 of 9
Moni209
Contributor

Re: 2 Deleted collections from TransUnion

I believe I chose incorrect information reported.


Current Score: 4•29 | EQ 666 | TU 673 | EX 666
Goal Score: 730
Message 8 of 9
Anonymous
Not applicable

Re: 2 Deleted collections from TransUnion

Was it actually incorrect and how old was the account?
Message 9 of 9
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