Disputing Duplicate Items On Your Credit Report

When you are repairing you want to make sure all information is correct and there are no duplicate items on your credit report. I had noticed an old HSBC Tax Advance showing on my report twice, one was listed as being current with a $0 balance and the other had a balance of $441 and 120 days late! I had seen this on my report and at first was just going to wait it out until the 120 day late listing was updated to current with hopes my score would be higher with two accounts listed as current.

Today my patience got the best of me, I called Transunion which was the listing agency for the duplicate accounts and requested a deletion. At first the operator said “ok sir I will place the duplicate account for dispute,” I immediately told him I did not want to place a dispute but for him to delete the duplicate listing now. It was in my favor that both accounts had the same account number and that the 120 day listing was updated 11/2007 and the current listing was showing updated 12/2007.

After about 5 minutes the representative for Transunion confirmed the duplicate listing had been removed and if I needed any more assistance. I kindly thanked the representative of Transunion and proceeded to complete my daily credit pull from TrueCredit. WOO HOO! Account deleted and my score jumped 14 points!

When you are repairing your credit be persistent and make sure you have all your facts regarding the accounts when you call or write any of the three credit bureau (Equifax, Experian, Transunion). You have to legitimately prove the account is reporting improperly for the credit bureau to remove the listing for them to remove it.