cmo140 Posted September 17, 2008 Report Share Posted September 17, 2008 My credit limit is not showing up on my Transunion report. Its only showing a balance. If I am correct this is hurting me.Can I go to TransUnion online dispute and dispute this since its a minor thing.I am buying a home and the underwriter only needs 1 more point to get approved. Will this help? Link to comment Share on other sites More sharing options...
LeslieR Posted September 18, 2008 Report Share Posted September 18, 2008 Who is the creditor? Some are infamous for this. It's not a minor thing, IMO - if you have a $5K CL and your balance is $800, but the creditor is reporting your balance as your CL, then it looks like you are maxed out. Not good. I believe Cap1 has been sued over this in the past (and lost, compelled by the courts to report the CL). Someone can chime in here with more info.Why don't you go straight to the creditor and ask them to report your CL?And yes, you can dispute this with the CRAs and see what happens. Link to comment Share on other sites More sharing options...
tommy32 Posted September 18, 2008 Report Share Posted September 18, 2008 NEVER EVER DISSPUTE ONLINE!!!! trust me they didn't post that for nothing. Always do snail mail. Cert. Return, Reciept. Link to comment Share on other sites More sharing options...
LeslieR Posted September 18, 2008 Report Share Posted September 18, 2008 Boy Tommy you've been chatty this morning!!! Welcome - I don't think I've seen you around before.I have to disagree with your blanket recommendation.In some cases, the never dispute online rule is absolutely applicable. (I had some success with online disputes when I was disputing, but for th e most part used letters).But CMRRR for CRA disputes is a bit costly and impractical for most disputes. I typically disputed by letter - never CMRRR - with the CRAs. My disputes didn't always turn out as I wanted them to, but they were never ultimately ignored. At $5ish a letter, it's simply impractical and unnecessary to send all CRA disputes CMRRR.But, that's not really what this thread is about...so if anyone has further advice for the OP about the creditor not reporting his CL, chime in!! Link to comment Share on other sites More sharing options...
cmo140 Posted September 18, 2008 Author Report Share Posted September 18, 2008 I have been on for about 6 months and have alot of post in this forum. I have a trade line that is not showing the correct balance. I thought that would be nothing to dispute online. Link to comment Share on other sites More sharing options...
tommy32 Posted September 18, 2008 Report Share Posted September 18, 2008 I was just saying what worked for me. I know it is expensive but I have proof if they play the lost it game. Oh and TY for the welcome I have Known about this site for a long time and finally joined last year. Link to comment Share on other sites More sharing options...
Recommended Posts