The ONLY way to resolve any issue is with the actual Credit reporting agency as they have the (almighty) power over any lending institution.
I had a recent similar issue with Snap-on tools credt dept. I had settled a past debt but they were unwilling to contact the agency to report my account now in good standing.
Turns out that the big three credit agencys now have a new rule (since '04) to any and all lenders that use their service and report to them both good as well as bad credit. If not they will suspend any account info to that lender.
I then contacted Experian (in this case) and it was resolved in 30 days, no fuss - no muss.
Bottom line is most places were only previous reporting all the bad credit and not reporting accounts in good standing. The inside poop was that Snap-On tools came very close to having their access denied.
