topic TU-Good open accounts disappear in General Credit Topics

TU-Good open accounts disappear

deerblue — Thu, 29 Oct 2009 19:40:34 GMT

Hello,

This is the second time that a good open account is not reporting on TU. For over a year, my Nordstrom account wouldn't show up despite Nordstrom saying that they were reporting it. Well on the day that my Nordstrom account finally showed up, my Chase account, which has been reporting since 2006, disappeared! It shows up on EX and EQ.

I do use National City to check my credit reports on a weekly basis since I was a victim of identity fraud. Could this be the cause of the disappearing act? I hate to spend another year trying to get an account back. Both Chase and TU blame each other at this point. Thanks

Re: TU-Good open accounts disappear

llecs — Thu, 29 Oct 2009 20:27:31 GMT

Bummer. I don't think it is NatCity's ID Protect. I've been using that service for about 18 months now and never had any problems, and do pull 6x/wk.

Have you tried pulling your report directly from TU? I'd start doing so frequently. Be sure to track the soft inquiries and your other accounts. Sometimes a split file can develop and that could be the source of the missing account. However, pulling once a week via a CMS won't do that.

Re: TU-Good open accounts disappear

Anonymous — Thu, 29 Oct 2009 21:48:14 GMT

Yep. I pull daily from CCT and my 3 GEMB accounts rotate on and off my TU report like crazy. They're all open and in good standing. Sometimes just Penney's reports, then it comes off and Dillard's and Walmart report, and then they fall off, and we start the cycle again. I rarely have all 3 GEMB reporting at the same time; but I always have at least one. And I know GEMB is reporting the accounts because the high balances update, but then the accounts will fall off in a matter of days.

I've also had inquiries fall off TU very very early.

Message Edited by beamMEup on 10-29-2009 03:48 PM

Re: TU-Good open accounts disappear

Anonymous — Thu, 29 Oct 2009 22:52:56 GMT

llecs, why do you pull 6x a week? Bumpage? Paranoia? Just because you can?

Seriously.

Edit: I mean the question is a serious one, not being a wiseguy here.

Message Edited by Uborrow-Upay on 10-29-2009 06:52 PM

Re: TU-Good open accounts disappear

llecs — Thu, 29 Oct 2009 23:09:05 GMT

Uborrow-Upay wrote:
llecs, why do you pull 6x a week? Bumpage? Paranoia? Just because you can?

Seriously.

Edit: I mean the question is a serious one, not being a wiseguy here.
Message Edited by Uborrow-Upay on 10-29-2009 06:52 PM

Good question. I haven't had any luck with inquiries so that's not the reason, beside inquiry count is low, but maybe it is paranoia more than anything. I have a few things from my past that are still within CRTP but haven't reported. Likely they won't since I haven't heard anything in yrs. Plus I love to see the cause and effect relationships with FICO. If I see on change (e.g. TL hitting a birthday or majr balance change), then I'll rush off to myFICO to buy the corresponding report. I'd rather concretely say that X score change was caused by this or that vs. guessing because of other variables. Finally, I do have one baddie remaining and lates are dropping off like flies. It isn't factored into my score (my GWs keep it in a state of dispute), but I like to pull anyway whenever there's a change.

Re: TU-Good open accounts disappear

Anonymous — Thu, 29 Oct 2009 23:50:04 GMT

Gotcha. Makes sense.

I just took a 13 point hit for a dormant account going active, even though I PIF before the statement cut. That surprised me. Yet I previously got no point change for the Cap One suddenly reporting, with a good sized balance on it. Go figure!

This stuff can drive you nuts. Sometimes, I think we worry about it too much.

Edit: Sorry for the TJ, deerblue. I'm trying to break that bad habit, apparently not too successfully.

Message Edited by Uborrow-Upay on 10-29-2009 07:50 PM

Re: TU-Good open accounts disappear

haulingthescoreup — Fri, 30 Oct 2009 23:59:17 GMT

deerblue wrote:

Hello,
This is the second time that a good open account is not reporting on TU. For over a year, my Nordstrom account wouldn't show up despite Nordstrom saying that they were reporting it. Well on the day that my Nordstrom account finally showed up, my Chase account, which has been reporting since 2006, disappeared! It shows up on EX and EQ.
I do use National City to check my credit reports on a weekly basis since I was a victim of identity fraud. Could this be the cause of the disappearing act? I hate to spend another year trying to get an account back. Both Chase and TU blame each other at this point. Thanks

deerblue, when you check your full report from TU as llecs suggested (don't buy a score when you do that!!), give a long cold stare at the demographics section. Check for variant spellings of your name, incorrect socials, oddball addresses, and so forth. Then pull up your account info from Nordstrom and Chase, and check out the same thing --spellings, number order, and so forth.

It doesn't really sound like what you have going on, but sometimes a lender will enter your demographic data into their records incorrectly, and then, even though they swear that they're reporting, it's not hitting your reports, because the credit bureau can't match their info to your report.

Re: TU-Good open accounts disappear

deerblue — Sat, 31 Oct 2009 17:27:16 GMT

All names, addresses, etc are correct. The weird thing is that Chase has been reporting since 2006 but this last month, it disappeared. As soon as the Nordstrom account again appeared, Chase disappeared. I think I am going to stop pulling my report as often and see if I gain more space. I have no inquiries on TU to bump, so maybe they bumped an account? Thanks for your suggestions.