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Does Transunion lag in updating changes?

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Anonymous
Not applicable

Does Transunion lag in updating changes?

First - i have been reading as much as I can on the various forums/subjects and am so grateful for all of the knowledge.  I have been working very hard to raise my scores after a devestating 3 years with my Husband not being able to work due to 2 different Cancers which took his life just 7 weeks ago

 

i have been able to get mistakes corrected , open. Secured credit card and even work with a CA for Pay for deletes.  I paid off debt and reduced debt. 

 

The CA that agreed to pay for deletes on 5 medical accounts reported to all 3 bureaus.   Equifax and Experian no longer show the collections.  Transunion does.  A call to Transunion only got me frustrated.   They stated that they make changes as it is reported to them. The CA states all 3 bureaus were notified

 

suggestions ?

 

thank you

Message 1 of 8
7 REPLIES 7
EW800
Valued Contributor

Re: Does Transunion lag in updating changes?

I am so sorry to hear about your husbands passing.  Thoughts and prayers are with you.

 

It has been my experience that TU is the slowest of the three CRA's to update.  In nearly all cases, they seem to update several days or even up to a week later than the other two.  

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 2 of 8
Anonymous
Not applicable

Re: Does Transunion lag in updating changes?

Thank you for your Sympathy and your response.  

Message 3 of 8
bdhu2001
Valued Contributor

Re: Does Transunion lag in updating changes?


@Anonymous wrote:

First - i have been reading as much as I can on the various forums/subjects and am so grateful for all of the knowledge.  I have been working very hard to raise my scores after a devestating 3 years with my Husband not being able to work due to 2 different Cancers which took his life just 7 weeks ago

 

i have been able to get mistakes corrected , open. Secured credit card and even work with a CA for Pay for deletes.  I paid off debt and reduced debt. 

 

The CA that agreed to pay for deletes on 5 medical accounts reported to all 3 bureaus.   Equifax and Experian no longer show the collections.  Transunion does.  A call to Transunion only got me frustrated.   They stated that they make changes as it is reported to them. The CA states all 3 bureaus were notified

 

suggestions ?

 

thank you


If you have a copy of letter that they are sending to CBA, file dispute yourself & upload the letter to TU.  TU is slow, they are usually 2 wks or more behind my other CBAs.

Original Mortgage maturity Sept 2044; Refi maturity Dec 2030
Starting Score: EX 751 EQ 720 TU 737 on 4/9/14
Current Score: EX 849 EQ 835 TU 843
Goal Score: 850


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Message 4 of 8
Anonymous
Not applicable

Re: Does Transunion lag in updating changes?

Great suggestion.  I will wait a few more days and then do that!

 

Message 5 of 8
Anonymous
Not applicable

Re: Does Transunion lag in updating changes?

I would give TU a bit more time before disputing anything.  I recently had a medical collection that was a PFD. EX and EQ had it deleted the day after my payment to the CA. TU took about 3 weeks to finally update and show it as deleted. CA stated it can take 4-6 weeks to finally disappear.

 

 

Message 6 of 8
Anonymous
Not applicable

Re: Does Transunion lag in updating changes?

I am learning the art of patience with all of this that's for sure. Transunion had always been behind with any of my updates. Thanks for the responses
Message 7 of 8
takeshi74
Senior Contributor

Re: Does Transunion lag in updating changes?

Sorry for your loss.

 

Many do find TU to be the slowest to update.  Don't overlook prior discussions as a resource.

https://www.google.com/webhp?sourceid=chrome-instant&ion=1&espv=2&es_th=1&ie=UTF-8#q=tu%20slow%20upd...

Message 8 of 8
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