5 Accounts Missing from my TU Credit Report!!!

[Anonymous]

Is this something that I should be concerned about? 4 of the accounts were mortgage accounts (1st & 2nd) They were originally funded by one company and then sold to another company, which is why there are 4 accounts. Anyway the newest accounts (ones that were brought) were IIB.

Then I had another installment account that was paid in full w/no baddies that is not showing either.

Could this be the reason my TU score is so low? It looks like I have/had no mortgage accounts.

What should I do?

[Anonymous]

think your out of luck reporting is "optional" you'll have to talk to the bank

[Anonymous]

Thanks Rbby, but the accounts were originally there. I pulled my report 6 days ago and the missing accounts were on all 3 bureaus. Now today the are not on TU... 

I guess I won't really worry about it, but I believe that is what is hurting my score. Looks like I have no mortgage accounts.

Oh well...

[SmartCookie]

Do you use TC and pull reports a lot?  Smells a little like a split file which you would need to call TC about and have them merge it back into 1.

[Anonymous]

Thanks SmartCookie, but the reports I pulled are from MyFico directly.

[SmartCookie]

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Mshamika wrote:

Thanks SmartCookie, but the reports I pulled are from MyFico directly.

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That is a little bizarre then but if your scores are the same as usual, maybe it's just a database error with the resold.  If you need to check again to verify what is there, I suggest pulling directly from TU.

[Anonymous]

Hmmmm. I spend so much money pulling my reports as it is...I'm not even going to worrk about it right now. I think it might be keeping my TU score so low though (550). No mortgage accounts. I'm not seeking any new credit at this moment. SO I will leave as be.

Thanks, Smartcookie...

[SmartCookie]

No problem. Believe me... I am well aware and irritated by the discrepencies between all the reports.  I'm starting to wonder if it isn't done purposefully.