topic TransUnion scoring in Understanding FICO® Scoring

TransUnion scoring

Crazy4sc — Thu, 04 Mar 2021 06:36:12 GMT

Hope someone can help me with this . I had my only decoratoery (30 day) late removed today on my TransUnion report . Got a 2 alerts from my FICO showing 1) alert of removal & 2 ) 50 point gain from 755 to 805 . Had a monthly 3b available so I pulled my credit to check out my scores . Could not believe what I saw , my TransUnion score was back to 755 . Looked over the whole report & then noticed that instead of 3/3 date my report said 3/2 . Called my FICO & talked to someone who tried to tell me that my score was 755 . I told her how is that possible with a clean report . She put me too supervisor & after explaining everything again she told me to hold on while she talked to higher ups . She came back & said my score was a 805 & the credit bureau must have sent a old report in . I told her I wanted a free report so I could see for myself tomorrow ( after 24 hrs ) . She got approval & sent me a new one for tomorrow. Does this sound right to anyone else ?

Re: TransUnion scoring

Anonymous — Thu, 04 Mar 2021 08:55:35 GMT

@Crazy4sc wrote:
Hope someone can help me with this . I had my only decoratoery (30 day) late removed today on my TransUnion report . Got a 2 alerts from my FICO showing 1) alert of removal & 2 ) 50 point gain from 755 to 805 . Had a monthly 3b available so I pulled my credit to check out my scores . Could not believe what I saw , my TransUnion score was back to 755 . Looked over the whole report & then noticed that instead of 3/3 date my report said 3/2 . Called my FICO & talked to someone who tried to tell me that my score was 755 . I told her how is that possible with a clean report . She put me too supervisor & after explaining everything again she told me to hold on while she talked to higher ups . She came back & said my score was a 805 & the credit bureau must have sent a old report in . I told her I wanted a free report so I could see for myself tomorrow ( after 24 hrs ) . She got approval & sent me a new one for tomorrow. Does this sound right to anyone else ?

I had the same thing happen with TU on the 2nd.

I pulled a 1B report for TU and it showed a +9 pt gain. Then it suddenly MyFico alerted a -9pt loss later that day and it no longer showed the +9 pt from earlier in the day and the -9 pt showed the exact same score from before the derogs were removed. So no score change even with -9pt loss. It corrected itself the following day. I would check again.

Re: TransUnion scoring

Crazy4sc — Thu, 04 Mar 2021 13:28:21 GMT

Thanks , yes I'm going to check again . Was your report also a day behind too ? I got my alert on 3/3 from my FICO that on 3/2 my score went up +50 & I pulled 3b then . Hopefully it is a glitch. I will report later after pull ,

Re: TransUnion scoring

Crazy4sc — Thu, 04 Mar 2021 19:19:54 GMT

Back to right score . Thank goodness!!