topic Whats wrong with TU?? in General Credit Topics

Whats wrong with TU??

JasonBourneOfCredit — Thu, 12 Jul 2012 15:42:07 GMT

Is something going on with TU? They are OVER 10 DAYS LATE on their usual reporting of my card.

I'm waiting on it to post so I can go to a credit union and get a loan. This delay is going to cost me my car. Kinda pissed.

edit: called TU and they offered to dispute it? I said no but should I??

Re: Whats wrong with TU??

Anonymous — Thu, 12 Jul 2012 17:25:49 GMT

Disputing will just make your situation worse. TU is notorious for being the last CRA to update their database with new information... typically 2-3 days after equifax, which is 2-3 days after experian (quickest). All you can do is wait it out unfortunately.

You sure it is TU's fault and not the creditor? Sometimes they delay sending updated information when an account is paid in full or closed.

Re: Whats wrong with TU??

Anonymous — Thu, 12 Jul 2012 17:35:07 GMT

It's definitely LOLUnion.

They've still yet to update my Discover balance and it's been at least 14-15 calendar days by now. It's quite normal with them.

Re: Whats wrong with TU??

sunshine7157 — Thu, 12 Jul 2012 18:07:15 GMT

@JasonBourneOfCredit wrote:
Is something going on with TU? They are OVER 10 DAYS LATE on their usual reporting of my card.

I'm waiting on it to post so I can go to a credit union and get a loan. This delay is going to cost me my car. Kinda pissed.

edit: called TU and they offered to dispute it? I said no but should I??

Hey! Remember me? I'm still in the same boat with you. Mine has yet to update, also. Mortgage & auto always report on the 4th and 5th. My auto just updated today. Nothing yet on mortgage.

Re: What's wrong with TU??

Anonymous — Thu, 12 Jul 2012 18:29:26 GMT

I swear TU begrudges removing any information that results in scoring bucket changes.

I had some 'baddies' that were aging off, tenth of every month, like clockwork.... Now the last one doesn't seem to have a calendar. Once it falls off I'll have a perfect record. But no!! It's just hanging out on TU and mocking me daily, LOL!

Keep telling myself "Scores are fine, it's nearly 7 years old, and you're not applying for anything so it really doesn't matter" but it's falling on deaf ears.

Re: What's wrong with TU??

JasonBourneOfCredit — Fri, 13 Jul 2012 17:15:41 GMT

TU should be shut down. 2 bureaus are enough. Ugh all well more waiting.\

EDIT: 13 days late. Still no change. I hate TransUnion.

Re: What's wrong with TU??

Anonymous — Fri, 13 Jul 2012 19:03:25 GMT

On Average TU updates 11-12 days after my closing dates on my accounts. Doesn't really matter to me because Amex and Chase which I do business with mostly pull from Equifax and Experian. Transunion usually has the most pulls from Discover(for CLI), Store and Department Store Credit Cards and Capitol 1.

Re: What's wrong with TU??

Anonymous — Sat, 14 Jul 2012 16:33:36 GMT

It. Just. Won't. Fall. Off.

Re: Whats wrong with TU??

DaveSignal — Sat, 14 Jul 2012 16:45:59 GMT

@JasonBourneOfCredit wrote:
Is something going on with TU? They are OVER 10 DAYS LATE on their usual reporting of my card.

normal for TU.

Re: Whats wrong with TU??

JasonBourneOfCredit — Sat, 14 Jul 2012 20:50:22 GMT

Finally, 14 days late, it updates.

Re: Whats wrong with TU??

Anonymous — Mon, 16 Jul 2012 11:13:04 GMT

Guess I have to wait until sept, LOL!

Re: Whats wrong with TU??

Anonymous — Mon, 23 Jul 2012 21:52:11 GMT

"Set me free, why don't cha babe..."

Re: Whats wrong with TU??

Anonymous — Mon, 06 Aug 2012 22:33:24 GMT

"Get out my life, why don't cha babe..."

Re: Whats wrong with TU??

Anonymous — Fri, 10 Aug 2012 13:21:38 GMT

"Thank God and Greyhound, you're gone

That load on my mind got lighter when you got on... "

Re: What's wrong with TU??

jamesdwi — Sat, 11 Aug 2012 02:25:47 GMT

App-aholics need 3 credit reports, if gives us more INQ's... shutting down TU mean we would have 33% more INQ and how would CapOne handle just pulling two reports, they wouldn't take a chance of approving anyone with only 2 reports to look at.

Re: Whats wrong with TU??

webhopper — Sat, 11 Aug 2012 03:08:17 GMT

I like TU... they are slow but its my highest score.

I'm ready for next year when I will be in the same boat waiting for lates to age off

Re: Whats wrong with TU??

Anonymous — Sat, 11 Aug 2012 03:33:14 GMT

Wondering if I even need CMS (beyond USAA) at this point.