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Regular Contributor
JasonBourneOfCredit
Posts: 217
Registered: ‎02-27-2010
0

Whats wrong with TU??

[ Edited ]

Is something going on with TU? They are OVER 10 DAYS LATE on their usual reporting of my card.

 

I'm waiting on it to post so I can go to a credit union and get a loan. This delay is going to cost me my car.  Kinda pissed.

 

 

edit: called TU and they offered to dispute it? I said no but should I??

Hey goofballs, Jason Bourne is from the Bourne movies. Yeah that guy. Of credit. Get it?

Starting Score: 561
Current Score: 677 FICO
Goal Score: 740

Decode the algorithm, beat the system. Credit is a game.


Decode the algorithm, beat the system. Credit is a game.
Established Contributor
cdtotten
Posts: 951
Registered: ‎05-27-2009
0

Re: Whats wrong with TU??

Disputing will just make your situation worse. TU is notorious for being the last CRA to update their database with new information... typically 2-3 days after equifax, which is 2-3 days after experian (quickest). All you can do is wait it out unfortunately.

 

You sure it is TU's fault and not the creditor? Sometimes they delay sending updated information when an account is paid in full or closed.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
0

Re: Whats wrong with TU??

It's definitely LOLUnion.

 

They've still yet to update my Discover balance and it's been at least 14-15 calendar days by now. It's quite normal with them.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

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Regular Contributor
sunshine7157
Posts: 137
Registered: ‎11-11-2011
0

Re: Whats wrong with TU??


JasonBourneOfCredit wrote:

Is something going on with TU? They are OVER 10 DAYS LATE on their usual reporting of my card.

 

I'm waiting on it to post so I can go to a credit union and get a loan. This delay is going to cost me my car.  Kinda pissed.

 

 

edit: called TU and they offered to dispute it? I said no but should I??



Hey! Remember me? I'm still in the same boat with you. Mine has yet to update, also. Mortgage & auto always report on the 4th and 5th. My auto just updated today. Nothing yet on mortgage.


Starting Score: April 2011- EX FAKO 639, EQ FAKO 645, TU98 FICO 665
Current Score: Jan 2013- EQ FICO 746, EX FICO is the best kept secret in the world, I guess, TU FICO ???, Vantage 790
Goal Score: 760 by years' end. I didn't make the 760 club in 2013 but I'm pounding down the door in 2014.


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Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

Re: What's wrong with TU??

I swear TU begrudges removing any information that results in scoring bucket changes.

 

I had some 'baddies' that were aging off, tenth of every month, like clockwork.... Now the last one doesn't seem to have a calendar. Once it falls off I'll have a perfect record. But no!! It's just hanging out on TU and mocking me daily, LOL!

 

Keep telling myself "Scores are fine, it's nearly 7 years old, and you're not applying for anything so it really doesn't matter" but it's falling on deaf ears. :smileyhappy:


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Regular Contributor
JasonBourneOfCredit
Posts: 217
Registered: ‎02-27-2010
0

Re: What's wrong with TU??

[ Edited ]

TU should be shut down. 2 bureaus are enough.  Ugh all well more waiting.\

 

EDIT:  13 days late. Still no change.  I hate TransUnion.

Hey goofballs, Jason Bourne is from the Bourne movies. Yeah that guy. Of credit. Get it?

Starting Score: 561
Current Score: 677 FICO
Goal Score: 740

Decode the algorithm, beat the system. Credit is a game.


Decode the algorithm, beat the system. Credit is a game.
New Contributor
Reelax
Posts: 90
Registered: ‎06-26-2012
0

Re: What's wrong with TU??

On Average TU updates 11-12 days after my closing dates on my accounts. Doesn't really matter to me because Amex and Chase which I do business with mostly pull from Equifax and Experian. Transunion usually has the most pulls from Discover(for CLI), Store and Department Store Credit Cards and Capitol 1.

Amex Blue 22.7k // Chase Freedom 24.2k // Chase Sapphire preferred 10.7k // Amex Starwood preferred Guest 5k // BofA Cash Rewards Visa 5k // BofA Cash Rewards MC 5k // Discover More 4.2k // Dell Financial Services 7k
Exp 787 // Equifax 784 // Transunion 780
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

Re: What's wrong with TU??

It. Just. Won't. Fall. Off.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Valued Contributor
DaveSignal
Posts: 2,111
Registered: ‎07-29-2011
0

Re: Whats wrong with TU??


JasonBourneOfCredit wrote:

Is something going on with TU? They are OVER 10 DAYS LATE on their usual reporting of my card.



normal for TU.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Regular Contributor
JasonBourneOfCredit
Posts: 217
Registered: ‎02-27-2010
0

Re: Whats wrong with TU??

[ Edited ]

Finally, 14 days late, it updates.

Hey goofballs, Jason Bourne is from the Bourne movies. Yeah that guy. Of credit. Get it?

Starting Score: 561
Current Score: 677 FICO
Goal Score: 740

Decode the algorithm, beat the system. Credit is a game.


Decode the algorithm, beat the system. Credit is a game.

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