topic Re: What's Happening with TransUnion??? in General Credit Topics

What's Happening with TransUnion???

Anonymous — Tue, 11 May 2010 20:06:17 GMT

I have noticed that a lot of companies aren't reporting to TU. I had an auto laon that stopped reporting with them 4 months after I opened it. I then refinanced that loan ant the new loan company hasn't been reporting to them as well. They haven't even reported my old loan as being paid off. Should I contact the lenders or TU because I would like to have them updated. Has anyone else had this problem?

Re: What's Happening with TransUnion???

Anonymous — Tue, 11 May 2010 22:24:50 GMT

Call them and ask them to get updated information from lenders on accounts. They are light years behind Experian and Equifax. Experian is the big fish you should be concerned about. You should be able to dispute the info online or in writing.

Re: What's Happening with TransUnion???

MarineVietVet — Tue, 11 May 2010 22:54:14 GMT

@Anonymous wrote:
Call them and ask them to get updated information from lenders on accounts. They are light years behind Experian and Equifax. Experian is the big fish you should be concerned about. You should be able to dispute the info online or in writing.

CRA's can only report the information creditors send to them. Contact the lender about why they don't send account info to the CRA's. That's all you can do.

From a BK years ago to:

9/09 EX pulled by lender 802
3/10 EQ- 800
4/10 TU -772

You can do the same thing with hard work

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Re: What's Happening with TransUnion???

happy0510 — Tue, 11 May 2010 22:54:27 GMT

I have never really taken them too seriously. They have a higher score than shown in my siggy for me....but I don't even consider it!!

Re: What's Happening with TransUnion???

Schoolbuskid — Wed, 12 May 2010 00:30:10 GMT

I have a similar problem with my credit union, my accounts have not been updated since october 2009, i did contact the CU and they said they are aware that their is some reporting problem with transunion. So i guess i'm stuck until...who knows?

Re: What's Happening with TransUnion???

Anonymous — Wed, 12 May 2010 00:49:01 GMT

@Anonymous wrote:
Call them and ask them to get updated information from lenders on accounts. They are light years behind Experian and Equifax. Experian is the big fish you should be concerned about. You should be able to dispute the info online or in writing.

Not necessarily. It depends onwhere you live, but in many parts of the country EQ is "the big fish."

Also, while TU may be behind EX and EQ, there are lenders who like to pull TU: Discover, Nationwide and Barclays come to mind.

Re: What's Happening with TransUnion???

GregB — Thu, 13 May 2010 14:44:54 GMT

The accounts on my reports from the big three CRA are virtually identical. One of them is still retaining some very old accounts that dropped off the other two a couple months ago. I assume they will drop off the third agency any time.

All accounts on my reports are from the major creditors. With some careful tracking over the last 6 months, the only differences I can find are:

1. Amex sometimes reports promptly, sometimes 7-10 days late and one time skipped a month. Numerous creditable posters have reported larger inconsistencies that tend to be older than that.

2. EX is blazing fast. Citibank statement closed at midnight, EX shows updated balance when I ran my report 5 hours later.

3. TU and EQ are both slow to update, 5-7 days is typical. They always show the date of the original report but it takes days to actually update the report you pull.