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SeeingSomeLight

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Dispute caused Equifax score to go up - TransUnion went down!
Chapter 13 filed 11/2009 was still on my Equifax report, NOT on TransUnion, hence Equifax score was 45 points lower than TransUnion. I disputed with Equifax, since it should have dropped off - they agreed & took it off - score went up 45 points. HOWEVER, CreditKarma monitoring notified me immediately that TransUnion had added the BK record & my score with TU dropped. I immediately disputed with TU, they didn't change it - but I notice the TU public record info does not say if it's CH 7 or CH 13... Should I just call TU, dispute again or what?

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Call TU and ask what's going on. They can usually either fix it for you, or tell you how you can get it fixed (or at least explain what happened and why).  

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Calling reporting company

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Have you ever tried talking to a human at a credit reporting company? You might do better placing a person to person long distance call to God.

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Chapter 13 bankruptcy

This should have dropped off

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Ch 7 or Ch 13

A bankruptcy can stay on your credit report for 10 years and a collection for 7 years.  Other derogatory comments for 4 years depending on your state's statute of limitation laws.

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chapter 13

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