topic Re: Transunion Credit Reports in General Credit Topics

Transunion Credit Reports

Anonymous — Fri, 21 Aug 2009 14:25:14 GMT

When you retrieve a free Transunion credit report from annualcreditreport.com, does anybody know if it lets you see free updates of the report for the next 60 days? Or just that one day you pull it?

I think Equifax lets you get free updates for 60 days and Experian for 90 days, but I'm not sure.

Re: Transunion Credit Reports

DI — Fri, 21 Aug 2009 16:55:15 GMT

@Anonymous wrote:
When you retrieve a free Transunion credit report from annualcreditreport.com, does anybody know if it lets you see free updates of the report for the next 60 days? Or just that one day you pull it?

I think Equifax lets you get free updates for 60 days and Experian for 90 days, but I'm not sure.

You would only get information on the date you retrieve the report. If you suspect inaccurate info TU will allow you to obtain more reports for free. I've had at least 6 within a 3 month period.

With EQ and EX, as long as you have your confirmation number(EQ) and report number(EX) you can see fresh data daily.

Message Edited by DI on 08-21-2009 11:55 AM

Re: Transunion Credit Reports

Anonymous — Fri, 21 Aug 2009 17:05:25 GMT

Are you sure you can see fresh data daily with EQ and EX? That doesn't match my experience. With EX it showed fresh data for 90 days and then the report # stopped working. With EQ you could pull the report for 60 days. But now that I think about it I think you were only getting fresh data on the first day you pulled the EQ report.

Also, in regards to the Transunion report....will it refresh the data throughout the day you pull the free report? Will it let you keep pulling it for multiple times throughout the day for free? Like if you pull in the early afternoon and then pull it at night the same day, could it have different data at night?

Thanks

Re: Transunion Credit Reports

smallfry — Fri, 21 Aug 2009 17:59:24 GMT

@Anonymous wrote:
Are you sure you can see fresh data daily with EQ and EX? That doesn't match my experience. With EX it showed fresh data for 90 days and then the report # stopped working. With EQ you could pull the report for 60 days. But now that I think about it I think you were only getting fresh data on the first day you pulled the EQ report.

Also, in regards to the Transunion report....will it refresh the data throughout the day you pull the free report? Will it let you keep pulling it for multiple times throughout the day for free? Like if you pull in the early afternoon and then pull it at night the same day, could it have different data at night?

Thanks

Multiple pulls are a quirk in the system. Try not to abuse it or you will be locked out.

Re: Transunion Credit Reports

DI — Fri, 21 Aug 2009 18:12:21 GMT

You get fresh data from EQ and EX daily with the confirmation and report number. You will see today's date or whatever date you pull the reports.I glance my reports everyday to check to see if my new accounts been added. There are no affects for looking at your own reports.

For EQ you can click on start new investigation, and not submit anything. You will see today's reports.

https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE&channel=8342

https://www.ai.equifax.com/CreditInvestigation/jsp/ECC_Dispute_Login.jsp

Re: Transunion Credit Reports

DI — Fri, 21 Aug 2009 18:13:55 GMT

@smallfry wrote:
@Anonymous wrote:
Are you sure you can see fresh data daily with EQ and EX? That doesn't match my experience. With EX it showed fresh data for 90 days and then the report # stopped working. With EQ you could pull the report for 60 days. But now that I think about it I think you were only getting fresh data on the first day you pulled the EQ report.

Also, in regards to the Transunion report....will it refresh the data throughout the day you pull the free report? Will it let you keep pulling it for multiple times throughout the day for free? Like if you pull in the early afternoon and then pull it at night the same day, could it have different data at night?

Thanks
Multiple pulls are a quirk in the system. Try not to abuse it or you will be locked out.

Only TU will lock you out after viewing your report 3 times when you select submit investigation. After that, you can request another one for free if you still suspect incorrect data.

Re: Transunion Credit Reports

DI — Fri, 21 Aug 2009 18:17:30 GMT

@Anonymous wrote:
Are you sure you can see fresh data daily with EQ and EX? That doesn't match my experience. With EX it showed fresh data for 90 days and then the report # stopped working. With EQ you could pull the report for 60 days. But now that I think about it I think you were only getting fresh data on the first day you pulled the EQ report.

Also, in regards to the Transunion report....will it refresh the data throughout the day you pull the free report? Will it let you keep pulling it for multiple times throughout the day for free? Like if you pull in the early afternoon and then pull it at night the same day, could it have different data at night?

Thanks

When ever dispute information, EQ will give you a new confirmation number to check your reports. EX will mail you your results, sometimes they even send you a new report number. I received a new report number last week.. I'm holding on to it to use when my report number I recevied back in April no longer work. Today its still working. I use it so much, I rememeber it like it know my SSN.

Re: Transunion Credit Reports

DI — Fri, 21 Aug 2009 18:18:52 GMT

You will only have different data if changes has been made on your reports reported by the creditors.

Re: Transunion Credit Reports

smallfry — Fri, 21 Aug 2009 19:26:51 GMT

Keep pulling your EQ and EX reports and see what happens.

Re: Transunion Credit Reports

Anonymous — Fri, 21 Aug 2009 19:48:11 GMT

it won't let me see my TU because it can't authenticate me. It's asking me for the numbers to old revolving accounts for which I no longer have the numbers

so I'm trying to figure out what to do. I see the numbers on my old EQ report but that leaves off the last 4 digits, how am I supposed to find the full 16 digits from an old credit card?

I wonder if entering 12 out of 16 digits would work. Would you get locked out of the account for 1 wrong answer?

Message Edited by urgent_help_needed on 08-21-2009 12:48 PM

Re: Transunion Credit Reports

smallfry — Fri, 21 Aug 2009 20:02:30 GMT

You don't have an old TU report? Sounds like you will have to call if you can't find the info.

Re: Transunion Credit Reports

DI — Fri, 21 Aug 2009 20:30:14 GMT

@smallfry wrote:
Keep pulling your EQ and EX reports and see what happens.
Below is what happens:

According to the Fair Credit Reporting Act, credit grantors listed in this section had a permissible purpose to review your information, although the requests listed in this section do not display to them. When a request for your information is made, it will display on your credit report for two years.
We report these requests only to you as a record of those who reviewed your information, and we do not include any of these requests on credit reports to others. • EXPERIAN
  Date: August 21, 2009 , August 20, 2009 ,
            August 19, 2009 , August 18, 2009 ,
            August 17, 2009 , August 16, 2009 ,
            August 15, 2009 , August 14, 2009 ,
            August 13, 2009 , August 12, 2009 ,
            August 11, 2009 , August 10, 2009 ,
            August 9, 2009 , August 8, 2009 ,
            August 7, 2009 , August 6, 2009 ,
            August 5, 2009 , August 4, 2009 ,
            August 3, 2009 , August 2, 2009 ,
            August 1, 2009 , July 31, 2009 ,
            July 30, 2009 , July 29, 2009 ,
            July 28, 2009 , July 27, 2009 ,
            July 26, 2009 , July 25, 2009 ,
            July 24, 2009 , July 23, 2009 ,
            July 22, 2009 , July 21, 2009 ,
            July 20, 2009 , July 19, 2009 ,
            July 18, 2009 , July 17, 2009 ,
            July 16, 2009 , July 15, 2009 ,
            July 14, 2009 , July 13, 2009 ,
            July 12, 2009 , July 11, 2009 ,
            July 10, 2009 , July 9, 2009 ,
            July 8, 2009 , July 7, 2009 ,
            July 6, 2009 , July 5, 2009 ,
            July 4, 2009 , July 3, 2009 ,
            July 2, 2009 , July 1, 2009 ,
            June 30, 2009 , June 29, 2009 ,
            June 28, 2009 , June 27, 2009 ,
            June 26, 2009 , June 25, 2009 ,
            June 24, 2009 , June 23, 2009 ,
            June 22, 2009 , June 21, 2009 ,
            June 20, 2009 , June 19, 2009 ,
            June 18, 2009 , June 17, 2009 ,
            June 16, 2009 , June 15, 2009 ,
            June 14, 2009

Re: Transunion Credit Reports

DI — Fri, 21 Aug 2009 20:30:54 GMT

@Anonymous wrote:
it won't let me see my TU because it can't authenticate me. It's asking me for the numbers to old revolving accounts for which I no longer have the numbers

so I'm trying to figure out what to do. I see the numbers on my old EQ report but that leaves off the last 4 digits, how am I supposed to find the full 16 digits from an old credit card?

I wonder if entering 12 out of 16 digits would work. Would you get locked out of the account for 1 wrong answer?
Message Edited by urgent_help_needed on 08-21-2009 12:48 PM

You must have a freeze on your credit reports

Re: Transunion Credit Reports

DI — Fri, 21 Aug 2009 20:33:28 GMT

@smallfry wrote:
You don't have an old TU report? Sounds like you will have to call if you can't find the info.
Experian wouldn't allow a person 90 days to access their reports if they had a problem with the frequency.

Re: Transunion Credit Reports

smallfry — Fri, 21 Aug 2009 21:20:49 GMT

@DI wrote:
@smallfry wrote:
You don't have an old TU report? Sounds like you will have to call if you can't find the info.
Experian wouldn't allow a person 90 days to access their reports if they had a problem with the frequency.

Sometimes you fall through the cracks. You do realize that EQ EX and TU sell their reports dont you? I am the last person to tell someone not to backdoor their reports on ocassion but I would advise newcomers to credit message boards that pulling your reports repeatedly for free is an outright abuse of the system.I speed and run stop signs all the time. It ain't legal though.

Re: Transunion Credit Reports

Anonymous — Fri, 21 Aug 2009 22:03:45 GMT

@smallfry wrote:
You don't have an old TU report? Sounds like you will have to call if you can't find the info.

unfortunately I don't. I wish they asked a mix of questions instead of asking me about very old revolving accounts.

Has anyone called and had them be willing to ask different authentication questions?

Re: Transunion Credit Reports

DI — Sat, 22 Aug 2009 00:08:15 GMT

@smallfry wrote:
@DI wrote:
@smallfry wrote:
You don't have an old TU report? Sounds like you will have to call if you can't find the info.
Experian wouldn't allow a person 90 days to access their reports if they had a problem with the frequency.
Sometimes you fall through the cracks. You do realize that EQ EX and TU sell their reports dont you? I am the last person to tell someone not to backdoor their reports on ocassion but I would advise newcomers to credit message boards that pulling your reports repeatedly for free is an outright abuse of the system.I speed and run stop signs all the time. It ain't legal though.
You must own stock with the big 3 CRA's? A free report isn't going to reduce the value of the CRA's stocks. They make more than enough money selling FAKO's to the people who are less informed.
I will continue to check my report as often as necessary without paying. I encourage others to do the same. There's no law prohibiting consumers from accessing free reports. The CRA's are very capable of not allowing one to access its reports free of charge if they choose.

Re: Transunion Credit Reports

haulingthescoreup — Sat, 22 Aug 2009 01:13:57 GMT

DI wrote:

...The CRA's are very capable of not allowing one to access its reports free of charge if they choose.

Well, that's kind of my concern. I'd like to be able to continue doing this, without them deciding to discontinue this.

I backdoor my full TU and EX reports once a month (I pay for EQ Credit Watch Gold.) They must know that people are doing this, but since the method is to pretend to dispute, I'm thinking that they'd rather we not do so.

With the demise of TrueCredit and the other genuine daily pull monitors (the reports I get through the EX monitoring services like CreditSecure are not genuinely updating daily --maybe weekly, if that), I can understand why someone would want to pull free reports daily. But I'm hoping that these folks' actions don't result in everyone losing access.

To borrow another member's name and siggy, just my 2 cents.

Re: Transunion Credit Reports

smallfry — Sat, 22 Aug 2009 01:34:45 GMT

My thoughts exactly Hauling.

Re: Transunion Credit Reports

Anonymous — Sun, 23 Aug 2009 07:28:02 GMT

If you backdoor EX too many times too close together you definitely will be locked out. It happened to me. If you wait "a while" after a lockout - and I have no idea how long is enough - you can resume. I find that if I hold it to once per month it will work fine and you can probably get away with a second pull for an emergency. This definitely needs not to be abused!