TU Issue - Accounts

[Anonymous]

Here's the deal....was looking through my reports and trying to figure out why there's a 20-30 pt difference from TU to the other two bureaus....

Come to find out that TU didn't report my student loan as being closed 4 years ago and still shows a $3500 balance AND TU also didnt show that I have a much longer credit history and had a Citi card way back in 2001 that was opened then and paid off....

My question is, are these things that are worth disputing and would they raise my CR much? I would gather the adding of 6 years of credit history could do wonders but I wasnt completely sure so I thought I would ask.

[MarineVietVet]

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@Anonymous wrote:

Here's the deal....was looking through my reports and trying to figure out why there's a 20-30 pt difference from TU to the other two bureaus....

Come to find out that TU didn't report my student loan as being closed 4 years ago and still shows a $3500 balance AND TU also didnt show that I have a much longer credit history and had a Citi card way back in 2001 that was opened then and paid off....

My question is, are these things that are worth disputing and would they raise my CR much? I would gather the adding of 6 years of credit history could do wonders but I wasnt completely sure so I thought I would ask.

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Hi there.

The CRA's can only report the information sent to them by creditors. You'll need to contact the creditors about this and see if they can help you. I'm no fan of CRA's but in this instance thet are innocent IMO.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Jazzzy]

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@Anonymous wrote:

Here's the deal....was looking through my reports and trying to figure out why there's a 20-30 pt difference from TU to the other two bureaus....

Come to find out that TU didn't report my student loan as being closed 4 years ago and still shows a $3500 balance AND TU also didnt show that I have a much longer credit history and had a Citi card way back in 2001 that was opened then and paid off....

My question is, are these things that are worth disputing and would they raise my CR much? I would gather the adding of 6 years of credit history could do wonders but I wasnt completely sure so I thought I would ask.

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When was the Citi card paid off? It should show for 10 years after it was closed. If this was a short-lived card for you, then your 10 years may be up.

[Booner72]

If it was my issue I would dispute with TU on the student loan issue.

[Anonymous]

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@Booner72 wrote:

If it was my issue I would dispute with TU on the student loan issue.

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^^ fully plan on doing this when I get off work....

I just hope they are ok w/ just my name and social and the company the loan was through....as I dont have the account number....(this was paid of 4 years ago)