Transunion does list items undfer $100.
Looking at my TU report as I type, and it most certainly has entries for less than $100
One of the deletions I am still waiting on was for $55 and its listed on experian and transunion.
What I have read is that collections under $100 arent factored into the scoring, only if it is one collection, but it is still reported. Its also exclusive to TU 08.
While collections (CAs) under $100 report, the newest version of FICO scores, the FICO08 versions, do exclude these small collections from FICO scoring. Challenge is....not many lenders are using the newest FICO version out there so for now they'll count.
ETA...I'm a slow typer.
I believe what you're referencing is that the FICO08 scoring system ignores amounts under $100, but they are still reported.
Well llecs, it was a very thorough answer lol...and gummiebear all the CRA's have their own methods for scoring and TU 08 is only transunions.