credit report issue sorry if it's on the wrong thread

[mikey78]

I realize that I have only one Credit card history on my TU account and nothing else
where as EQ and EXP both have 10 revolving accounts reported and 1 negative car loan repo reported
exception that EQ has a judgement satisfied upated to it and EXP removed the judgement against me since it was paid
EQ Fico 720 as of today and EXP 676 as of 7/22/2013

Should i wait until the judgement and/or toyota motors negative account gets removed from my Credit report (I think that 's around 2017)

and call up the TU dispute and fax them my current credit reports??

Reason i have tried credit karma and some of the credit cards they said i have very good chance to get approved (i.e American Express blue cash everyday) only to be turned down although i'm going thru their recon department and waiting on their response) and i noticed that amex pulled all 3 credit reports and i got their denial letter saying my account ut is high and my not enough trade from TU reports

and if i plan on getting another loan that TU with the limited history showing compared with other 2 credit bureaus will hurt my chance of a loan in the near future

Sorry if i posted on the wrong thread but i'm sure you guys are very helpful so i thought i give a try to get the help of others

[Creditaddict]

The Discover, Chase, BofA are not on TU? What card is on TU?

[mikey78]

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@Creditaddict wrote:

The Discover, Chase, BofA are not on TU? What card is on TU?

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I haven't checked recently but when i check at the beginning of the month
it only shows Bank of America that i opened up 10 years ago and that has a 500 CL and now it's been closed  since i got their cash rewards card

The Discover IT card they haven't been reported yet  on eq or experian

but i do see the BofA cash rewards on EQ and experian  just not sure as of now because i didn't bother to pay to see the report  I just know basing on the annual free report
Chase Freedom I did not get the card yet to activate

but I'm missing the rest on TU like open and closed credit cards here's the following list i'm missing

1)Capital one 750 CL opened 2010... CLOSED

2) First premier bank 250 CL opened 2003 CLOSED

3) First premier bank 300 CL opened 2003 CLOSED

4 Discover HSBC 300CL (now capital one) opened 2007 CLOSED
5) Gap

6) Express

7) Paypal

8) Capital One 2500 CL opened 2007

9) toyota Motors (charged off paid) repo'ed

10) not positively sure if it's on my report but Credit Karma doesn't have it on the report BofA cash rewards 5000 CL opened

[Creditaddict]

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@mikey78 wrote:

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@Creditaddict wrote:

The Discover, Chase, BofA are not on TU? What card is on TU?

---

I haven't checked recently but when i check at the beginning of the month
it only shows Bank of America that i opened up 10 years ago and that has a 500 CL and now it's been closed  since i got their cash rewards card

The Discover IT card they haven't been reported yet  on eq or experian

but i do see the BofA cash rewards on EQ and experian  just not sure as of now because i didn't bother to pay to see the report  I just know basing on the annual free report
Chase Freedom I did not get the card yet to activate

but I'm missing the rest on TU like open and closed credit cards here's the following list i'm missing

1)Capital one 750 CL opened 2010... CLOSED

2) First premier bank 250 CL opened 2003 CLOSED

3) First premier bank 300 CL opened 2003 CLOSED

4 Discover HSBC 300CL (now capital one) opened 2007 CLOSED
5) Gap

6) Express

7) Paypal

8) Capital One 2500 CL opened 2007

9) toyota Motors (charged off paid) repo'ed

10) not positively sure if it's on my report but Credit Karma doesn't have it on the report BofA cash rewards 5000 CL opened

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so discover and all thoughs will report here in a bit.

but gap, express, paypal, cap1 you have had open for long time and they are not on your TU? hmmm..

[mikey78]

it's my first time checking my credit reports and noticed it the missing history

last year i became a U.S Citizen and legally changed my name and even went to social security office to update my name

and i see that EQ and Experian both have my current name and former name on my personal information
when I check TU they have my Current name and former name as Michael Kim

I am wondering if it could be that they have 2 split profiles for the same social security??

I checked with capital one and the senior exec credit analyst said they been reporting since 07 but it's up to TU how they file the information -.-
I know i will have to call and file a dispute but right now i think they are hurting me on some credit application like Amex based their denial off TU
for lack of trades and high UT

and i know if i fax them my credit report with other bureaus they will see the judgement and negative account i have with toyota  / or i can call and dispute to add only the historys i know i have good standing with

Is TU worth the headache to dispute to resolve this?? i think from my experiance only AMex pulled all 3 credit scores but i'm dont want to be declined for any loan or mortage i'm planning for in the near future based of TU's Lack of info compared with others

[Creditaddict]

I think it's worth contacting TU... it's not uncommon for them to have 2 reports going for you and have you or a bank only get 1 of them.... they "say" if you have 2 reports they send them both but I have had it happen before because my report became to long (that should be a bad sign!) but a credit report really can only hold so many tradelines before it breaks off into another... at your request in my case of having to many, they can go in and weed out tradelines that are not needed (I can't tell you what I lost or gained for what was taken off.... it didn't hurt or help me!)

anyway... I have also had 2 reports just because of a mess up with a name or an address... it's more rare I think but you might call them and give them old name and new name and maybe "just maybe it will be an easy day for you" they will find that yes there are two and shouldn't be and boom boom boom they can fix it and get it all corrected... in a hard day, maybe you have to send documents or what not but overall i would work on it... it's worth it to have good long established accounts updated!

[mikey78]

on the TU Page of inquiries personal info and credit cards
everything is pretty much blank except credit cards which has 1 card bofa it's now closed

and 5 inquiries

i will call and file a dispute ( I tried to open one online but some reason they give me a error message)

Thanks for the advice

Capital One told me that they report to a 4th credit bureau Novice or something i should've asked him info on that

[Creditaddict]

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@mikey78 wrote:

on the TU Page of inquiries personal info and credit cards
everything is pretty much blank except credit cards which has 1 card bofa it's now closed

and 5 inquiries

i will call and file a dispute ( I tried to open one online but some reason they give me a error message)

Thanks for the advice

Capital One told me that they report to a 4th credit bureau Novice or something i should've asked him info on that

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you don't want to file a dispute with TU... those are for accounts... you need to somehow find a number to an actual person... usually once you have a report with a file number to talk to someone about all the missing accounts and giving them your past name and new, and make sure you don't have missing reports under that name, etc.

[mikey78]

Good Point on that I hear getting TU Representive is really difficult
I'm leaning on waiting a few months to see if my new cards get reported and then try to contact them or write a letter with attached credit reports from the other bureaus and hope i get a response

thanks for your help Creditaddict