Of course, they reported this as delinquent. I disputed this several times in the past, on the grounds that:
- The account was settled (albeit for less than the agreed amount) when the shortsale closed in June 2010
- The delinquency was a bank requirement that I was forced into (I've since learned this was so Wells Fargo could collect on PMI.)
- I had complied with all their other requirements for the shortsale (including an at-the-closing-table demand for $6K)
These disputes went nowhere. The CRAs contacted Wells Fargo, they said they wanted it on there, end of story. So it stayed on there, just with a useless notation that said "Customer disagrees".
A few days ago, I noticed a new feature on CK: A "Direct Dispute™" button next to each entry on my TU report. Almost on a whim, I submitted a dispute. The feature does not allow you to write a long-winded explanation; instead, you have to select a dispute reason from a dropdown menu. I selected "Account settled".
Just got a response that TU had completed their investigation:
Result: Deleted - TransUnion has deleted the account or record from your TransUnion credit report.