TU Reporting Properly?

ncogngro · ‎12-29-2020

Hi all. Got a question. I was d/c CH7 on 11/05. All of the accounts are reporting IIB as a status with zero balance on both EX and EQ. TU is showing 5 accounts that I had IIB with the status of current and with a zero balance. Should I dispute these to report correctly or should I leave as is? Currently, my fico TU scores are off compared to EQ and EX(see siggy).

TIA.

Closed Accounts

CH 7 Discharged 11/05/20. Scores on 11/09/20:

Scores on 01/11/21:

3 Month Post Discharge Fico 8 Scores on 02/04/21:

Fico 9 Scores on 02/04/21:

6 Month Post Discharge Fico 8 Scores on 05/05/21:

Fico 9 Scores on 05/05/21:

Tmaxx · ‎12-29-2020

Hello, I don't think TU is reporting correctly because I was discharged on 11/17/20 and TU is not showing on my accounts.

CH 7 discharged 11/17/20:
Experian 535
Equifax 558
Trans Union 496

Anonymous · ‎12-30-2020

If it’s from 2005 why is it still showing?

ncogngro · ‎12-31-2020

@Anonymous wrote:
If it’s from 2005 why is it still showing?

The d/c was 11/05/20.

Closed Accounts

CH 7 Discharged 11/05/20. Scores on 11/09/20:

Scores on 01/11/21:

3 Month Post Discharge Fico 8 Scores on 02/04/21:

Fico 9 Scores on 02/04/21:

6 Month Post Discharge Fico 8 Scores on 05/05/21:

Fico 9 Scores on 05/05/21:

Anonymous · ‎12-31-2020

Is there another reason the TransUnion score might be lower considering it doesn’t show the BK? Or does it show it elsewhere?

ncogngro · ‎01-04-2021

Birdman7, all of the items on the CR are listed as IIB for the status except for the five that are showing as current under the status. Those five were listed in my b/k.

Closed Accounts

CH 7 Discharged 11/05/20. Scores on 11/09/20:

Scores on 01/11/21:

3 Month Post Discharge Fico 8 Scores on 02/04/21:

Fico 9 Scores on 02/04/21:

6 Month Post Discharge Fico 8 Scores on 05/05/21:

Fico 9 Scores on 05/05/21:

Anonymous · ‎01-04-2021

@ncogngro i'm sorry, I do not know what to say about this one. I would think that the two bureaus with more accounts designated IIB would have a lower score. But if there are no other differences between those reports and TransUnion, then I'm lost, I don't know on this one.

I will ask this: do you have your reports from annualcreditreport.com? If not get those and compare them line by line and see if there are any other differences.

ncogngro · ‎02-02-2021

Update: I had disputed the entries on my TU report stating that the status was incorrect. Received update that the information was corrected to show the status as IIB. Received alert yesterday from MF that my TU score went up 40 points. Looks like all is well. Now to continue the rebuild process.

Closed Accounts

CH 7 Discharged 11/05/20. Scores on 11/09/20:

Scores on 01/11/21:

3 Month Post Discharge Fico 8 Scores on 02/04/21:

Fico 9 Scores on 02/04/21:

6 Month Post Discharge Fico 8 Scores on 05/05/21:

Fico 9 Scores on 05/05/21:

Credit4Growth · ‎02-02-2021

@ncogngro

I have been following a number of your post for progress. I am happy this worked out for you! thumbs up!