topic Re: Oh gosh I've been hit with the TU bug in General Credit Topics

Oh gosh I've been bit by the TU bug

DoroLucky — Wed, 08 Jun 2016 20:32:24 GMT

Just checked CK and my score jumped 33 points. Reason, ALL my INQS are gone lol. I'm guessing it's because I hit 10 yesterday and that "bug" thingy. Oh well, I'm gardening

Hope it stays INQS free for a while

Re: Oh gosh I've been hit with the TU bug

Schoolbuskid — Wed, 08 Jun 2016 13:11:49 GMT

did you actually check your real TU report, to confirm?

Re: Oh gosh I've been hit with the TU bug

Anonymous — Wed, 08 Jun 2016 13:16:25 GMT

Mine have been gone for about a week. I check TU daily. Waiting for the other shoe to drop. lol

Re: Oh gosh I've been hit with the TU bug

baller4life — Wed, 08 Jun 2016 13:24:53 GMT

@Anonymous wrote:
Mine have been gone for about a week. I check TU daily. Waiting for the other shoe to drop. lol

Me too ML! They'll be back. Just a matter of when.

Re: Oh gosh I've been hit with the TU bug

Anonymous — Wed, 08 Jun 2016 13:40:19 GMT

@baller4life wrote:
@Anonymous wrote:
Mine have been gone for about a week. I check TU daily. Waiting for the other shoe to drop. lol
Me too ML! They'll be back. Just a matter of when.

That's about it! lol

Re: Oh gosh I've been hit with the TU bug

MakeItAMudLight — Wed, 08 Jun 2016 13:53:19 GMT

CreditKarma and several of the other Free sites have all shown I have zero inquiries on TU for over a month. However when I check the actual report they are all still there. Not sure what's going on.

Re: Oh gosh I've been hit with the TU bug

datrucking210 — Wed, 08 Jun 2016 14:28:38 GMT

Mine disappeared on Monday, on the free sites, but all of them are showing up on my hard credit report from TU. Advice don't go app crazy thinking the lenders will see 0 inquiries.

Re: Oh gosh I've been hit with the TU bug

ohreally7654 — Wed, 08 Jun 2016 15:04:13 GMT

TU has been ALL over the place for me, as well! A few times, now, all inquiries have fallen off, and then put back again. However, they've stayed off for about a week or so and just had to know for sure if this was just CK and Credit Sesame showing zero inquiries or if it was actually inquiry free on my 'real' CR. I went directly to TU and pulled my report. ZERO inquiries.

During the last week I was able to get multiple CLI's from all of my Synchrony accounts, whereas just the week prior, they were not budging. App'd for a Barclay's card yesterday I had been wanting, and approved! It immediately triggered alerts from CK and Credit Sesame. Both sites showed all of the inquiries back on again, as soon as I app'd. This morning, they're all off again except the one from yesterday. I swear, this is exhausting trying to keep track! LOL!

Re: Oh gosh I've been hit with the TU bug

DoroLucky — Wed, 08 Jun 2016 15:18:57 GMT

@Schoolbuskid wrote:
did you actually check your real TU report, to confirm?

No I haven't but I'm aware that that'll come back at some point.

Re: Oh gosh I've been hit with the TU bug

DoroLucky — Wed, 08 Jun 2016 15:22:04 GMT

@ohreally7654 wrote:
TU has been ALL over the place for me, as well! A few times, now, all inquiries have fallen off, and then put back again. However, they've stayed off for about a week or so and just had to know for sure if this was just CK and Credit Sesame showing zero inquiries or if it was actually inquiry free on my 'real' CR. I went directly to TU and pulled my report. ZERO inquiries.

During the last week I was able to get multiple CLI's from all of my Synchrony accounts, whereas just the week prior, they were not budging. App'd for a Barclay's card yesterday I had been wanting, and approved! It immediately triggered alerts from CK and Credit Sesame. Both sites showed all of the inquiries back on again, as soon as I app'd. This morning, they're all off again except the one from yesterday. I swear, this is exhausting trying to keep track! LOL!

Seriously exhausting

I'm not apping for anything for the next 2 years anyway so I'm good LOL

Re: Oh gosh I've been hit with the TU bug

Anonymous — Wed, 08 Jun 2016 15:30:42 GMT

I have over 20 inqs, and mine did this about a month ago where all the derogs and inq disappeared, and my score tap 700 but they have all slowly come back and my score is now around 650 because of the bounce, hopefully it get back to 670 next month...

this problems really screws up your "true" fico score because the system/algos think you just applied for 20 new lines of credit, then it figures out that they were old inqs and recovers, kind of a pain if you are actually trying to apply for credit any time soon, luckily I am gardening.

Re: Oh gosh I've been hit with the TU bug

DoroLucky — Wed, 08 Jun 2016 15:33:39 GMT

My CCT updates in about 10 days, I'll see if my actual score changed. I wish they would stay OFF for GODD! LOL

Re: Oh gosh I've been hit with the TU bug

ddemari — Wed, 08 Jun 2016 15:34:15 GMT

good call to chose to not do what I did. I of course went on a massive spree 2 weeks ago. Im feeling really guilty about it. I am showing zero inquiries on transunion.com membership credit report, my fico report, credit sesame, credit concierge, creditkarma, usaa 3b, and credit secure 3b.

For a long time inqs from TU have done this but in a slower pace and not as dramatically. Therefore, this time I really went overboard. Dont do it, im closing some of the cards I opened as some are insanely stupid to have for me lol.

Re: Oh gosh I've been hit with the TU bug

DoroLucky — Wed, 08 Jun 2016 15:37:14 GMT

@ddemari wrote:
good call to chose to not do what I did. I of course went on a massive spree 2 weeks ago. Im feeling really guilty about it. I am showing zero inquiries on transunion.com membership credit report, my fico report, credit sesame, credit concierge, creditkarma, usaa 3b, and credit secure 3b.

For a long time inqs from TU have done this but in a slower pace and not as dramatically. Therefore, this time I really went overboard. Dont do it, im closing some of the cards I opened as some are insanely stupid to have for me lol.

LOL SMH you have been on a roll lately

Re: Oh gosh I've been hit with the TU bug

RonM21 — Wed, 08 Jun 2016 16:19:11 GMT

I would have thought the issue would have been fixed by now. Suprised it's taken this long.

Re: Oh gosh I've been hit with the TU bug

Anonymous — Wed, 08 Jun 2016 16:57:21 GMT

Mine were there, then when I had a hard pull they came back, 2 days later they were gone again. Spoke to TU yesterday; she assured me they are all there. Still, I like seeing them all gone, every morning when I check wallethub. And the CK recomendations! My approval odds are "Very Good" on just about every card. Living in a fool's paradise and loving it!

Re: Oh gosh I've been hit with the TU bug

DoroLucky — Wed, 08 Jun 2016 17:17:29 GMT

@Anonymous wrote:
Mine were there, then when I had a hard pull they came back, 2 days later they were gone again. Spoke to TU yesterday; she assured me they are all there. Still, I like seeing them all gone, every morning when I check wallethub. And the CK recomendations! My approval odds are "Very Good" on just about every card. Living in a fool's paradise and loving it!

This

Just checked mine and I like it too

However my odds for Chase FU, Freedom, and Slate are all poor except for their co-brand cards. I wouldn't touch anything Chase in the next 2 years with a 10 foot pole

Re: Oh gosh I've been hit with the TU bug

EdMan63 — Wed, 08 Jun 2016 18:13:14 GMT

@DoroLucky wrote:
My CCT updates in about 10 days, I'll see if my actual score changed. I wish they would stay OFF for GODD! LOL

Don't count on it. Mine had dropped off CCT when I pulled it about a week ago. I refreshed my 3 bureau report this morning and they were back. My TU score dropped 4 pts. I have 7 Inq total with 2 about to drop off this Aug and 4 are over 1 year old.

Re: Oh gosh I've been hit with the TU bug

Anonymous — Wed, 08 Jun 2016 18:20:01 GMT

Me too and I only had one inquiry due to fall off Nov 2016. I apped for a card this week and that is the only one showing up... on CK anyway....

Re: Oh gosh I've been hit with the TU bug

Anonymous — Wed, 08 Jun 2016 18:22:50 GMT

My husband and I each have 12 inquiries on TU (Thank you, NFCU), and neither of us is getting any love from this glitch. It would be fun to see what it does to the score temporarily.