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Whats wrong with TU??

Regular Contributor

Whats wrong with TU??

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??

Decode the algorithm, beat the system. Credit is a game.
Message 1 of 17
16 REPLIES
Established Contributor

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


Take the FICO Fitness Challenge
Message 2 of 17
Blogger

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+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 3 of 17
Regular Contributor

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.

Message 4 of 17
Senior Contributor

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. Smiley Happy


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


Take the FICO Fitness Challenge
Message 5 of 17
Regular Contributor

Re: What's wrong with TU??

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

 

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

Decode the algorithm, beat the system. Credit is a game.
Message 6 of 17
New Contributor

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
Message 7 of 17
Senior Contributor

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


Take the FICO Fitness Challenge
Message 8 of 17
Valued Contributor

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
Message 9 of 17
Regular Contributor

Re: Whats wrong with TU??

Finally, 14 days late, it updates.

Decode the algorithm, beat the system. Credit is a game.
Message 10 of 17