Got a quick question: How LTV ratio is calculated for getting 2nd Lending Tree mortgage ? Hoping for any answer. My other question... A week ago I wrote here at CREDITNET.com and explained that my credit file was turned over to a "special department" at TU after disputing two hard inquiries found on it. I was told repeatedly that a TU representative from that "special department" was going to contact me, but they never did. After finally getting tough with a customer service representative on the telephone this afternoon (and being put on hold for about 20 minutes), I finally was able to speak to someone in that "special department.".

The "special department" is a legal department at TU. I asked for a reason why a block (their word, not mine) was placed on my credit file and turned over to the legal department. A kind woman on the phone then asked me a couple of questions. "Have you submitted letters to us from an attorney?" No. "Are you an attorney?" No. "Do you work for a law firm?" No.

"Well, it is TU policy for our department to work on credit files if a person works for a limited liability corporation." What???.

I asked repeatedly (four times to be exact) what difference it made whether I worked for a LLC or not. She put me on hold for another 5 minutes, seemingly to get an answer to my question, but then returned with the same answer. "It is TU policy for our legal department to work on credit files if a person works for a limited liability corporation." What I didn't tell her was that I owned that LLC..

The call ended with her telling me that she would "unblock" my account, but that there would be no guarantee that it wouldn't end up back in her department at some point in the future if there were future disputes. She also gave me her direct telephone number and extension to call her if I had any other questions regarding my credit file in the future. "Not if I have to wait four weeks to speak to a customer service representative about my account and wait on hold for 20+ minutes I won't. Thank you for your time and assistance nonetheless." I replied..

Hawg Hanner..