Question about fixing my credit score before applying for a mortgage

I pulled my credit reports last week from all three bureaus and found a collections account from 4 years ago that I paid off but it's still showing a balance. I disputed it online with Equifax and they removed it in 11 days, but TransUnion keeps verifying it as accurate. Has anyone had luck with a direct letter to the collection agency instead of going through the bureau?

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hannah_wells4d ago

Yeah I had the same thing happen, TransUnion is the worst about this. Skip the bureau and send a certified letter straight to the collection agency with your proof of payment, they have to update it or you can sue them under the FCRA. Keep copies of everything because TransUnion will probably keep "verifying" it until the agency actually tells them to fix it.

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