Conflicting Info

[Anonymous]

Hey all,

I have a TL from Cap1 that was charged off and on my TU report, in the remarks field, it says both closed by consumer and closed by grantor. Is this something that I could potentially be able to use to have the TL removed? Or is this just something that ultimately won't make a difference one way or the other? Any insight would be helpful.

[Anonymous]

Not likely to make any difference. If you dispute the information, they will just change it to one or the other.

[RobertEG]

In any dispute, deletion is not mandated unless the information cannot either be verified as accurate or corrected so as to overcome an inaccuracy.

The dispute also would only relate to deletion of the information asserted to be inaccurate, and not the entire account.

The comment as to who chosed the account can easily be clarified, and would not be basis for deletion of any other reporting, or of the entire account.