So my wife and I are trying to improve our credit scores in preparation to buy a house. I don't have any adverse things on my report, but my wife has one. She had a US Bank account a few years ago with a savings account, checking account, and a credit card. She rarely used the credit card, and even when she did, she always paid it off within a few days of getting the charge. However, in February of 2012, she left the country (LDS service mission to the Philippines) for 18 months, leaving almost everything at home. She ended up using the card a few times in the Philippines, resulting in a small charge. Because the address was set at her old home and her parents moved, she ended up never getting the statements. When she got home in August 2013, she noticed the charge, immediately paid it off, and closed the account. Unfortunately, it's still there on her credit report. We just got her annual credit report from TransUnion. We went through the dispute process and ended up with a confusing response. The account is still listed on her report, the only change is that now, under Remarks, it says "ACCT INFO DISPUTED BY CONSUMR"
Is there anything we can do to get this account completely removed?