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Frequent Contributor
MarcinXP
Posts: 302
Registered: ‎09-06-2011

TU is officially a joke!

Okay so for months I have been observing the way my credit report looks like as I have USAA and pull my reports often. I noticed that TU is really a joke when it comes to updates as delays are really just very long in comparison to other CRAs.

 

Experian is the fastest. It seems like it's electronic. As my statement closes on a credit card, the balance reports within 24 hours. They are really fast.

 

Equifax is next. Sometime it seems like its electronic and sometimes like balance is fedexed to them. usually they update it within 48 hours or a day or two behind Experian.

 

TransUnion is a joke. It seems that its not electronic at all. It's almost like someone sends it via USPS or horse carriage. It takes anywhere from 5-7 days for them to update same information after statement cuts. What gives?? In this date and age it should not take that long. Always was okay with it, but now it just ticks me off that they either don't care about the process or use some old system.

 

Just venting..paid off all my credit cards except for one uner 9% and seen a nice Jump in Experian FAKO and also Equifax FICO from this website, but now I'm waiting for TU to update so I can buy TU FICO. Arghhh

NFCU Visa Sig $25k / Fidelity Amex $7.5k / Chase Freedom Visa $7.5k / BOA - BBR MC $7.5k / Chase Sapphire Preferred $7k / Best Buy Platinum MC $3K / Barclay Rewards MC $2k / Chase Amazon Visa $1k / Discover IT $1K / GE Lowes and GE Walmart $5k / GE Amazon $2450 / Target RedCard - $300 / NO CAPONE IN MY WALLET ANYMORE!
Established Contributor
wollepopolle
Posts: 545
Registered: ‎09-12-2010

Re: TU is officially a joke!

I agree with your observations. It takes at least 5 days for my balances to update on TU. Painful!

Mega Contributor
Creditaddict
Posts: 18,818
Registered: ‎10-23-2007

Re: TU is officially a joke!

[ Edited ]

As long as TU keeps bouncing between my debt being $12k or $30k !!!

My TU also not to show almost any of my negative stuff, some of whihc is actually the correct reporting but non the less I have fought all I can with the others for now so!!

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Contributor
SoCalBound
Posts: 96
Registered: ‎06-24-2012

Re: TU is officially a joke!

All my eagle eye watching of my reports has shown me the following:

 

Experian- almost immediately after statement closes

Equifax - 3rd day after

Transunion - 5th day after

 

I dont have a problem with Transunion, it's a great test of patience.

Zync NPSL, BCP ($2000), Chase United ($2000) Chase Amazon ($1500), Chase Freedom ($3000), Discover More ($2000), Paypal Extras ($5000), Citi Forward ($2000), Orchard $2000, Amazon ($5000)
Pre-App Scores: TU98 779, TU04 797, EQ 682, EX 788 (Amex) 8/12
Established Contributor
YahComb
Posts: 592
Registered: ‎03-10-2012

Re: TU is officially a joke!

for me it's usually experian- a day later, equifax a day after experian, transunion 4-8 days after experian depending on the issuer.

 

TU has been painfully slow updating BOA for me lately. When i had my CLI last month, it took about 9 days for it to show. Of course the hard pull is there same day though :smileyfrustrated:

EQ-730(06/30/14) TU-758(06/19/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 7.5K | Disc It 9K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 2.92yr AAOA: 24.8 mo
Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: TU is officially a joke!

I would be happy with the service Tu provide you guys.. It takes 2 weeks for my info to update.

Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: TU is officially a joke!


CruzImperial wrote:

I would be happy with the service Tu provide you guys.. It takes 2 weeks for my info to update.


It takes 1 to 2 weeks for TU to update for me lately, they are up and down.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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