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Timothy wrote:
isn't there some danger in having good TL's deleted doing this?
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Yes, indeed. And personally, I think they do it to discourage disputes.
EX did what they called "a full update" on my report after a recent dispute I filed, and I lost 4 old positive tradelines which did not verify. Two of these accounts were going to drop in June 2008 anyway, but the other two were supposed to be left on until 2012 and 2013, given 10 years after date of last activity rule.
I complained to EX and they said, "We can't do anything about it." They said talk to the creditors who did not verify the information. I lost 8 points in that little game with EX. I don't understand why they are allowed to tamper with positive information that's been in their files for years.
Next thing I knew, the exact same 4 old accounts were gone at TU also. I complained to TU and the CSA told me her supervisor would review the file and let me know about restoration. They took my phone number and promised to call back. No call ever came.
To date, EQ has not deleted these 4 good accounts, but I'm holding my breath.
