No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
It's been close to two more years now and TU is still doing the same thing. I have sent TU a current Landsafe 3-Bureau Credit report detailing exactly what is missing from my TU report -- and that the other Credit Bureaus show those accounts. They have acknowledged that (some of) the accounts are mine, but then TU said they would put them on a "separate" credit report (with my same TU number) that they have sent only to me. They still won't report them to any creditors who pull my credit.
The problem has not been resolved. TU will not put these accounts on my regular Credit Report. Suggestions?
You shouldn't have but 1 report, so I am not sure what they are talking about.
Are the accounts still open?
This sounds like something I have read about called "split files". Where the CRA inadvertantly splits your file into two separate files. One that you receive, and an incomplete one that creditors receive as an instant credit report.
Try googling "split credit files" and you will find a lot of information. Just a guess here........
Good luck
K
I have a few questions regarding the missing trade lines
1, When you applied for credit for these accounts you are used the same name each time ? Let me clarify the question Let us say your John Quincy Adams. When you have applied for for these accounts and the others you used John Quincy Adams or John Q Adams. If you use J. Quincy Adams or Quincy Adams or keep changing how you have applied for credit this can you a problem.
2. Are these accounts being reported by any bureau on the Landsafe credit report?
3. Were these acocunts applied for at the same address where you are residing now?
4. The credit report the Trans Union sends you and the Landsafe credit report is ther any differences in your names or addresses reported by Trans Union? For example Trans Union Report shows a former address that Landsafe credit report does not show.
5. Are you a JR or SR ? Etc
Name and address variations can cause you to multiple files at the bureaus. Sometimes this causes a problem when credit is pulled. I am not being nosy I may be able to help. I have had some experience with these types of issues.