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TransUnion sure seems slow...

Member

TransUnion sure seems slow...

in comparison to the other two major CRAs. I should start by saying in NO WAY am I complaining. I understand the rebuilding process is something that takes time and cannot be accomplished overnight. This is nothing more than an observation and some data points for others..

 

I've been busy the last two weeks and my scores have already shown significant improvement. I believe my EX Fico has risen 60+pts! As I just mentioned, been busy. I've online disputed items with all three CRAs and these have been my results:

 

  1. EX - Tax lien that was obsolete. They deleted within three days.
  2. EQ - Tax lien that was obsolete. They verified as accurate in 3-4 days. (Their retention policy makes me want to hulk smash!)
  3. TU - Duplicate charged off account. Has been 7 days and status shows as 0 items complete. (Different type of dispute and I'm sure the other party factors into the equation since this isn't a public record issue.) Also to be fair they did say 30 days and estimated completion date is 06/14/2016.

I have/had a single collection on my account that was not accurate. Contacted the OC a week and a half ago to dispute with them. Have yet to hear back from them as they said it could take up to 30 days. However CK showed it was removed from my EQ and I just repulled my EX and it is gone from there too. Guess who is still reflecting it Man Mad

 

Again, no complaints here. Well.... maybe the fact that EQ is keeping a paid tax lien on my file for 10 years, but I digress. Has anyone else experienced certain CRAs lagging behind others?

 

 

05/07/16 FICO SCORE 8 EX 539 TU 525 EQ 548
Message 1 of 4
3 REPLIES
Moderator

Re: TransUnion sure seems slow...

Absolutely CRAs lag each other my nemesis is usually TU as well.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 2 of 4
Frequent Contributor

Re: TransUnion sure seems slow...


gdale6 wrote:

Absolutely CRAs lag each other my nemesis is usually TU as well.


I wish it would be faster to update so I can call walmart and lowes for a CLI but Tu loves being slow lol

FICO Scores starting as of 3/11/16: EQ-607,TU-639 ,EX-627 (6/22/2016 EQ-621,TU-637, EX-653)
USAA Classic 1k, F.Premier 300, CreditOne 600, CareCredit 500, CareCarOne 700, AmazonStore 3500, WalmartStore 3500, Target 700, VS 250. Cap1 Plat 800 Lowes 300..Legacy 500 and Blaze 750..AU on Cap1Quick 300...ULTI 65.2%
Goal is 700 across all 3 scores by Christmas of 2016
Message 3 of 4
Valued Contributor

Re: TransUnion sure seems slow...

TU is my slowest also. I understand the frustration.
EX 08 Fico: 729 TU 08 Fico: 735EQ 08 Fico: 740Total Credit Line: $128,600Utilization: 6%Inquiries:EX-6TU-7EQ-5


Message 4 of 4