have you tried contacting the 3 credit bureaus and disputing any errors that are still on your credit report? and this bank/credit union that made this error: tell them if they don't fix it, you'll report them to the atty. general of your state ;). that's what got wells fargo in hot water, people went both to the better business bureau and the atty. generals of their states. seems like a simple error that was a molehill made into a mountain.
