Dispute off AU?

[Anonymous]

I asked a CC I was an AU on in January to stop reporting my AU status.  They confirmed then and twice after that they had sent that information to the CRAs and had stopped reporting.  It still shows up so I called and they confirmed, said sometimes it takes 9 days for CRAs to comply.

However when I look at the tradeline, it basically reported last in January, i.e. the last reported payment is October/November, also not showing the delinquency/closed status which it is in.

This happened once before with a friend's AU, she told them to take me off, it didn't come off per se but kept reporting as of the last time they updated for months.

So it looks like that is what is happening here.

I am 50/50 in disputing; on the one hand, it has a $10k balance to my debt on the other it does add age.

So question is do I somehow risk the chance of upon being disputed being UPDATING me instead, if the CC reps told me they had stopped reporting me? The LAST think I need is the updated 'Charged-Off' card on my file.

Message Edited by nyccc2 on 04-22-2009 05:28 PM

[haulingthescoreup]

If you can't get at it from the CCC end, you can dispute with the CRA's as "not mine."

I always advise trying this last, as disputing with CRA's can blow up on you, but I'm about to do the same for DH and DD#2, who still have my AmEx Gold AU reporting. They were taken off 8 months ago.

[Anonymous]

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@haulingthescoreup wrote:
If you can't get at it from the CCC end, you can dispute with the CRA's as "not mine."

I always advise trying this last, as disputing with CRA's can blow up on you, but I'm about to do the same for DH and DD#2, who still have my AmEx Gold AU reporting. They were taken off 8 months ago.

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The ollll "CRA's blowing up on you' thing. Been there done that

I think I am going to see how far I can pay down my balances w/o taking that off. If I can get to 15% then I'll leave it on for the age.  Question;  do you think 15% is a reasonable U% for creditors these days? I know it is not the ideal <10% but still...

[haulingthescoreup]

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nyccc2 wrote:

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@haulingthescoreup wrote:
If you can't get at it from the CCC end, you can dispute with the CRA's as "not mine."

I always advise trying this last, as disputing with CRA's can blow up on you, but I'm about to do the same for DH and DD#2, who still have my AmEx Gold AU reporting. They were taken off 8 months ago.

---

The ollll "CRA's blowing up on you' thing. Been there done that

I think I am going to see how far I can pay down my balances w/o taking that off. If I can get to 15% then I'll leave it on for the age.  Question;  do you think 15% is a reasonable U% for creditors these days? I know it is not the ideal <10% but still...

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I can't even predict which dead critter my cats are going to drag into the house. I wouldn't even begin to try to read the feral minds of lenders!