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Hi all,
I submitted a dispute to Transunion and Equifax from an old AU account with loads of late payments and a resulting charge off. The TU dispute was done as an Instant Dispute yesterday via Kikoff. How does this work? I did see that it has been removed from my TU credit report as of today. Is it truly gone forever or should I be concerned that it will reappear?
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It's gone forever, congratulations!
Thank you for your reply! That is truly a relief because despite it being a AU account I believe atleast one of the bureaus was using it in my scoring. Hopefully it changes something by being removed. Maybe Equifax will remove it soon...
Starting FICO8 Scores:
Current APR 2026 FICO8 Scores:
Credit Unions:

Credit Cards:

