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why has my score dropped 18 points
Why has my score dropped by 18 points? I've has no late payments, no increase in debt, no loss of income. Only a verbal altercation with Transunion as to the why they carry unsubstantiated derogatory information. The information is false and has been carried for years. Is the loss of rating a result of this phone call?

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Not likely.  Have you checked all your credit reports to make sure only correct information is reported?  I also do not recommend trying tok solve any disputes over the phone because those answering are not in a position to make significant changes.  Send letters and jkeep copies of all communications (yours and theirs) as proof of your efforts.

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