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So after 26 months of war, I awoke today and ran my reports to find US Bank decided they did not want to be sued, did not want to deal with me anymore, and removed the account.
I beat them through persistence. I beat them by knowing the rules of the game better than their CSR's did. Hell, I beat them by knowing the rules better than the people in their credit reporting department did. I beat them by catching them in lies and in violations I never would have caught if not for this board and all the people here who take so much time to help others.
As an added bonus, an old paid judgment was also removed today from TU using the WhyChat letter after removing old addresses. TU just got the dispute on the 6th. I have EQ primed and ready with addresses removed, but wanted to make sure it worked with TU with no unintended consequences before moving on to EQ. I still have some addresses to removed from EX, but thanks to the great advice here, I know how to beat that as well.
With a little luck, and some goodwill on a few 5-year old late payments, reports could be 100% clean by year-end.
A while back, I waged quite a battle with US Bank over how my account history was being reported. This progressed all the way to the executive office. In the end, they basically told me NO. Despite my providing documentation to prove they were reporting incorrectly. By then, I had been approved for a mortgage on the new house I was purchasing, and I was weary from the fight. I should not have let it go, but I moved on.
Fast forward 16 months, and I am again relocating and shopping for mortgages. One of the things the loan office had questions about, of course, was the US Bank mortgage. Annoyed that I would even still have to answer for these late payments, I disputed with credit bureaus. I thought maybe since more time had passed, and the mortgage was paid off, the results might be different. Boy, were they. The disputed late payments from 2011 were changed from being between 30-60-90 days late to 120-150-180 days late.
After battling them for over a year the first time, I am through playing nice with them.
So where do I turn?
Do I contact CFPB? Do I notify them of FCRA violations and demand correction AND compensation? Do I get an attorney?
I'm in a bored period....
Most recent EQ Fico is 748.
1 Inq over 1 year old.
AAOA close to 4 years.
Approx $230k in open lines. See my sig for existing cards.
I really want something to replace my Travelocity Amex.... Simply because I don't like Barclays, I don't like their new rewards redemptions options, and I just don't want to give them all of my money.
I still need an Amex of sorts beause I'm an avid Costco shopper. Please do not recommend an Amex Centurion Bank Card... They were IIB'd.
I really just want to add SOMETHING new....
Thoughts, questions, concerns, opinions - They're all appreciated!