topic Re: TU Scoring - Past Due Balances in Understanding FICO® Scoring

TU Scoring - Past Due Balances

QueenBean — Wed, 18 Mar 2009 21:26:13 GMT

I recently settled a couple of COs & was looking forward to getting a slight bump due to the utilization going down. I pulled a TU this morning & the balances on those accounts report as $0, yet the explanation of my score says that the total balances on all of your accounts that are past due is $114730. Nothing is past due, can someone please explain this to me?

thanks

Re: TU Scoring - Past Due Balances

fused — Wed, 18 Mar 2009 21:44:48 GMT

I'm sorry to hear this. Did you pull your TU report from this site?

Message Edited by fused on 03-18-2009 11:44 AM

Re: TU Scoring - Past Due Balances

QueenBean — Wed, 18 Mar 2009 23:42:15 GMT

Yes I did pull it from this site. I submitted a question directly to TU, I guess I'll wait and see what kind of response I get. thanks

Re: TU Scoring - Past Due Balances

QueenBean — Fri, 20 Mar 2009 15:21:24 GMT

nice.......I got a form letter response outlining the dispute process and indicating that I need to have a copy of my CR from TU. I'm assuming that the copy I pulled here will suffice given that it has a file number on the bottom. This kind of stuff is just maddening.

Re: TU Scoring - Past Due Balances

Anonymous — Sun, 22 Mar 2009 14:13:48 GMT

Similar for me, on the summary with TU it says that my most recent missed payment was one month ago. I haven't missed any payments since my BK almost five years ago. Then I go through the everyone of my accounts on here and it does not show any missed payments. I would assume that since it issaying that on the summary it is caluclating my score based off that statement.

So is the score based on the summary or the account detail? I do know that a missed payment will bring down your score drastically.

By the way I did pull my report from here.