topic Re: General Rant on TransUnion in General Credit Topics

General Rant on TransUnion

0REDSOX7 — Tue, 13 Apr 2021 00:55:43 GMT

Hi all, this is just a general rant about TransUnion and their timely, or should I say "lack of", timely updates.

Every month for the last few years, my Discover would update on the 3rd to TU, my Rooms To Go Synchryony would update on the 9th and my student loan in the 11th.

It was amazingly consistent. Loved it.

Well, last month I paid those three accounts off - before their due dates, hoping to catch the update afterwards so my report would

show them paid off.

Well, go figure this month that not a single account on my TU report has updated since 2/28/21. Not just those mentioned above, but any of them.

Experian and Equifax updated on schedule, no issues.

What gives?

End Rant.

Re: General Rant on TransUnion

Remedios — Tue, 13 Apr 2021 03:56:39 GMT

@Ficoproblems247 is really good at this stuff

Re: General Rant on TransUnion

FinStar — Tue, 13 Apr 2021 04:00:05 GMT

@Remedios wrote:
@Ficoproblems247 is really good at this stuff

I second that 👍

Re: General Rant on TransUnion

Ficoproblems247 — Tue, 13 Apr 2021 05:31:18 GMT

@FinStar wrote:
@Remedios wrote:
@Ficoproblems247 is really good at this stuff
I second that 👍

You guys! Noooooo! I already read this thread earlier and had flashbacks. I chuckled and died on my inside at the same time.

Re: General Rant on TransUnion

Ficoproblems247 — Tue, 13 Apr 2021 11:25:44 GMT

@0REDSOX7 wrote:
Hi all, this is just a general rant about TransUnion and their timely, or should I say "lack of", timely updates.

Every month for the last few years, my Discover would update on the 3rd to TU, my Rooms To Go Synchryony would update on the 9th and my student loan in the 11th.

It was amazingly consistent. Loved it.

Well, last month I paid those three accounts off - before their due dates, hoping to catch the update afterwards so my report would
show them paid off.

Well, go figure this month that not a single account on my TU report has updated since 2/28/21. Not just those mentioned above, but any of them.

Experian and Equifax updated on schedule, no issues.

What gives?

End Rant.

Hey @0REDSOX7 , what interface are you using to pull your reports? Like CK, myFICO, EX? Is 2/28/21 the date it shows that your TU report was last refreshed on?

Re: General Rant on TransUnion

0REDSOX7 — Tue, 13 Apr 2021 11:29:18 GMT

Well, first it was Credit Karma. Then I used myFico.

finally I said to heck with it and used my annualcreditreport directly from TU and sure enough, no updates at all.

Re: General Rant on TransUnion

Ficoproblems247 — Tue, 13 Apr 2021 14:09:39 GMT

@0REDSOX7 wrote:
Well, first it was Credit Karma. Then I used myFico.

finally I said to heck with it and used my annualcreditreport directly from TU and sure enough, no updates at all.

Well if it's coming directly from ACR, at least you know you should be getting the correct data at that point. That is a pretty weird one to have nothing update at all. If it were me, I would reach out to TU directly. Maybe someone else has a better idea of what would be causing that, but that one has me at a loss. Keep us posted if you start making headway, though!

Re: General Rant on TransUnion

0REDSOX7 — Tue, 13 Apr 2021 14:12:13 GMT

I will do so.

One thing I thought is odd also, is there are two inquiries from a car loan from 4/6/2019 that should have falled off, but, low and behold, they are on the report I pulled yesterday (4/12/21).

Very frustrating - and getting anyone at TransUnion to understand what I am saying is rather precarious.

Re: General Rant on TransUnion

Peace27 — Wed, 14 Apr 2021 03:52:49 GMT

@0REDSOX7 I feel your pain. I'm going through the same thing with TU. Never had a issue all accounts report like clock work. All of sudden like 6 of my accounts have not updated since Feb 28. EX and EQ are fine no issues with their reporting on time. I called TU and they told me it takes up to 45 days for an account to report. So we'll see!

Re: General Rant on TransUnion

Iusedtolurk — Wed, 14 Apr 2021 10:39:05 GMT

@0REDSOX7 wrote:
Hi all, this is just a general rant about TransUnion and their timely, or should I say "lack of", timely updates.

Every month for the last few years, my Discover would update on the 3rd to TU, my Rooms To Go Synchryony would update on the 9th and my student loan in the 11th.

It was amazingly consistent. Loved it.

Well, last month I paid those three accounts off - before their due dates, hoping to catch the update afterwards so my report would
show them paid off.

Well, go figure this month that not a single account on my TU report has updated since 2/28/21. Not just those mentioned above, but any of them.

Experian and Equifax updated on schedule, no issues.

What gives?

End Rant.

Seems like something quirky is going on. Not that I have experienced any great mishaps but usually my EX reports faster than the other two but now it seems to delay a couple of accounts.

Cap1 used to report the next day after statement cut and now it takes 3-4 days.

I made a good dent in my Cerulean account which had a high utilization 60% to 28% crossing 2 thresholds with statement cutting on Feb 26th and as of today April 14th it still hasn't updated on Ex. and it always has updated the next day (27th). Trans and Eq updated as they usually do.

Re: General Rant on TransUnion

0REDSOX7 — Wed, 14 Apr 2021 10:43:32 GMT

What's even worse for me - I had two inquiries from April 8th, 2019 for a car loan. On my April 12th credit report from TU...they're still ok there...

shouldn't they have been dropped?

Re: General Rant on TransUnion

Iusedtolurk — Wed, 14 Apr 2021 11:21:27 GMT

@0REDSOX7 wrote:
What's even worse for me - I had two inquiries from April 8th, 2019 for a car loan. On my April 12th credit report from TU...they're still ok there...

shouldn't they have been dropped?

They generally fall off the 24th month but I believe technically they can remain for 25 months.

Re: General Rant on TransUnion

dryanaz80 — Sat, 17 Apr 2021 16:52:34 GMT

Just here to add that none of my accounts have updated with TU since mid February. I had a $295 Citi balance with $300 SL and it's been paid off since mid March, normally reports to CRAs 8th every month, TU shows 2/8. Personal loan balance of $2332 also paid off in March, last update to TU is 1/31. PayPal Cashback MC was $299 w $300 SL, also paid off. Reported to EX and EQ 4/15, last update from TU is 2/15.

I could go on... it's like this with all my Cap One cards as well. EX and EQ are reflecting the much better scoring than TU.

And, I've pulled my reports/scores via Experian Premier, MyFICO, Credit Karma and directly via annualcreditreport.com and all show that TU has basically frozen my credit profile/summary as it appeared between 1/31 and 2/15..... not one account has updated since then with them and there's a 96 point score spread between TU and EQ and it's 91 points between TU and EX.

I don't know who to even try to contact at TU about this. Would love any insight or feedback/suggestions.

Re: General Rant on TransUnion

waqaszm1 — Sat, 17 Apr 2021 18:35:12 GMT

Exactly the same problem with TU - nothing has updated since 2/28 -

Re: General Rant on TransUnion

DaveInAZ — Sat, 17 Apr 2021 19:12:04 GMT

@0REDSOX7 wrote:
Well, first it was Credit Karma. Then I used myFico.

finally I said to heck with it and used my annualcreditreport directly from TU and sure enough, no updates at all.

Hmm, I'm having a problem with TU this month as well. I first noticed it on CK, my utilization was too high, found they are double reporting my HELOC, a balance reported 2/28 and a balance from 2/28. I did a direct dispute on CK, no update after 2 weeks. Also over $3k in pay downs on CCs not reporting a week after EX & EQ reported them. I forgot about free annual report, will check that, but my TU service shows the same info.

Re: General Rant on TransUnion

Anonymous — Sat, 17 Apr 2021 23:49:32 GMT

I was also just about to post something about Transunion. I don't know why they can't keep up with Equifax and Experian. My TransUnion is like 100 points behind Experian and Equifax.

Re: General Rant on TransUnion

Peace27 — Sun, 18 Apr 2021 01:48:48 GMT

Yes, it is definitely something going on with TU. I'm trying to get approve for a mortgage and they are holding me up.

Credit Bureaus

tricie17 — Sun, 18 Apr 2021 18:47:29 GMT

Where in the world is Transunion? They have not udated my report since February 26th 21. Normally it would be Equifax however it seems that they have picked up the slack for TU. Experian is reporting slow as well. I so look forward to these numbers monthly. And this also impacts new scores from MYFico monthly. I would like to recoup my $42.00 paid monthly if MYFico can not get a full updated report from each of these Bureaus on a monthly basis. I call the finance companys/banks and they state "we have reported". I call the Bureaus they state that the companies are not reporting. what!! Ex; I called Navy Fed and they said they reported two days after statement cut, however TU and Experian still gives statement cut from early March. We are headed to May's cc payments. What gives?

Re: General Rant on TransUnion

0REDSOX7 — Mon, 19 Apr 2021 20:47:01 GMT

So, I spent 45 minutes in hell today trying to get one of their representatives to understand.

They kept wanting me to open a dispute...but yet, I didn't want to do that. They simply had zero idea what I was trying to do. I've since paid off four accounts, and they're all zero'd out on EQ and EX, but TU shows 2/28 as the last update date. It's outside of their script, so, naturally these people are clueless.

Something has to be going on...but no one understands.

Re: Credit Bureaus

dryanaz80 — Mon, 19 Apr 2021 20:49:00 GMT

I've posted about this as well. Tried getting a human on the phone is impossible and sent a note via Twitter. I've been denied credit based on a pull of TU that was last updated 2/15 and score is ~95 pts lower than EX and EQ.