TransUnion Trouble

[lgarza037]

TransUnion is showing a score of 528 and is saying I have 22 payments past due!!!!  I pulled a score check on Equifax and all accounts were current and a score of 630, why the discrepancy on the two scores?

[Anonymous]

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lgarza037 wrote:

TransUnion is showing a score of 528 and is saying I have 22 payments past due!!!!  I pulled a score check on Equifax and all accounts were current and a score of 630, why the discrepancy on the two scores?

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Are the reports showing the same data?

[Anonymous]

You'll want to pull the actual report. Something's fishy here.

[lgarza037]

the both reports have the same accounts thats why I don't know  about the difference in the scores.

[marty56]

I would would dispute the lates if you know that they are invalid.  IMHO I would not dispute valid data.  Are all the lates on the same account and are they reporting updates on each CR.  My TU report is missing 2 late payments from the same creditor but they show up on EQ and EX.  I suspect that this is not that common for late payments since CCCs are very good a reporting bad news on your CR.