This isn't what's killing your credit score; it's the bankruptcy and what happened before it. The highest I've seen within a year of discharge was a 701, and this one had reaffirmed debts and was nearly current at time of filing.
The phones are useless.
If Transunion didn't take it off at all, you probably didn't send it to the correct address.
If, on the other hand, it provably went to the correct address (proof could be having come off and gone back on), I would be very interested in talking--you would have FDCPA claims and/or discharge violations.
Neither of us would get wealthy, but it would be worth both our while.
The sarcastic remark about not speaking English is very funny considering that all of the web sites which allow you to file disputes clearly state in plain English that disputes must be put in WRITING. Hope this perspective helps!
I agree with my colleagues. Put your request in writing. If it isn't written, it didn't happen.
Law Offices of J Thomas Smith J.D., Ph.D 11500 Northwest Freeway, Suite 280 Houston, TX 77092 713-LAWYER-2 www.MyImmigrationLawyer.info NOTE: Responses are for the education of the community at large and is not intended to be "legal advice." No attorney-client relationship is established by responses or comments.
If you used an attorney to file your bankruptcy, the first stop is to give that attorney a call.
For me, the most important part of your troubles is exactly when the report occurred.
You need to determine if the negative credit entry is post-filing, and then again post-discharge.
If the account was updated after discharge, Many bankruptcy judges have recognized this type of credit abuse and will entertain the action as a violation of the discharge order as a disguised attempt to collect debt vis a vis the updated negative credit entry. Your bankruptcy attorney, or any AVVO bankruptcy attorney in your area will be able to advise you of your assigned bankruptcy Judges opinion regarding this type of action.
As also referenced below, this may be a FCRA violation and an attorney has offered to review your rights under that statute.