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Transunion Issue

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MrTom
Frequent Contributor

Transunion Issue

My transunion score has a red check and is low compared to the other 2 scores because of that red check.

 

It is saying I don't have a credit card.  I do have a credit card.

 

EX and EQ is crediting me for a credit card, but TU is not.  This is making my score run 20-30points lower then the other 2.

 

How do I correct this so they will score my credit card correctly.



Starting Score: May 23, 2016 EQ 537 TU 518 EX 548
Recent Scores: EQ 839 TU 824 EX 821
Goal Score: 840
Current Vantage 3.0: 808
Mortgage Scores August 18 2017: EQ5 684 TU4 692 EX2 690
Message 1 of 6
5 REPLIES 5
BungalowMo
Senior Contributor

Re: Transunion Issue

Is this a new card?  It might just not be showing up yet.

BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 2 of 6
MrTom
Frequent Contributor

Re: Transunion Issue

Its not a new account

 

It is not listing as a credit card

 

Its listing as revolving



Starting Score: May 23, 2016 EQ 537 TU 518 EX 548
Recent Scores: EQ 839 TU 824 EX 821
Goal Score: 840
Current Vantage 3.0: 808
Mortgage Scores August 18 2017: EQ5 684 TU4 692 EX2 690
Message 3 of 6
Anonymous
Not applicable

Re: Transunion Issue

what kind of card is it and how long have you had it?

Message 4 of 6
MrTom
Frequent Contributor

Re: Transunion Issue

20 months i had it

 

Its a master card, subprime

 



Starting Score: May 23, 2016 EQ 537 TU 518 EX 548
Recent Scores: EQ 839 TU 824 EX 821
Goal Score: 840
Current Vantage 3.0: 808
Mortgage Scores August 18 2017: EQ5 684 TU4 692 EX2 690
Message 5 of 6
joltdude
Senior Contributor

Re: Transunion Issue

Op:

Is this your only CC?

 

Your fighting a battle that you might not win...

And with your current scores, haven't you replaced the subprime card with something else?

 

Tell us what you have... who issues it, possible CL, and such....

 

Some cards do not always report to all three bureaus... or theres issues...

 

You can try contacting the errant CRA and start a dispute for incorrect information.... But you could be poking the bear if  the card is not being PIF and such

 

And do you have any other open loans on the account? might want to consider a secured share loan.. through Alliant.... (theres reasons for this particular CU, no HP and they dont automatically shorten your loan when you pay most of it off)

 

 

Message 6 of 6
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