I disagree with geyoung. TU isn't tricky. TU is evil.
Finally got tired of politely asking TU to correct my address along with a photocopy of my SSN card, Driver's License, and a utility bill. Sent it CMRRR with a veiled ITS. We're bumping up close to the 30 day window.
TU isn't tricky. TU is evil.
Ask your lender about Rapid Rescore.
flyers wrote:My lender said that with a middle 680 I will qualify for some better programs. I only need TU to go up 1 darn point.
"correcting it could not make your score go down......"
DONT SAY THAT - THEY MESSED MINE UP AND IT DID MAKE MY SCORE GO DOWN.
Also my mother in law had the similar problem and they added further deliquency to her account. I guess it depends on what rep they speak to at your creditors office. If someone gives them one wrong piece of info, they are going to put it right on your report and say they "got it from your creditor"
My mother in law had a student loan that was in deferrment, they told TU that it was 60 days late. We found out that was an error, it looked like it was late, but wasnt and TU put that right on her report. Before that, she disputed the account because it stated 30 days late - so it went from 30 to 60 - HUGE PROBLEM.
Work on your other reports and you should be fine. If you want to try with TU, go ahead, but I would caution you, because if they mess it up, you will need 30 more days to fix it. I also notice that as the days go by you are awarded a few points (I guess for lenght of history), so sit tight on the TU thing.
It you update, one other account, that might boost your TU score. Try to figure out if you can pay anything else down.