State employees credit union not reporting to transun

[bbeaver2013]

I currently have mine and my wife's auto loans with state employees credit union and I also have a 3k credit card with them. However for some reason their not reporting to transunion and I believe my score is lower because of this. I do have 4 other credit cards and a student loan reporting but that's it. All of my credit cards are at a 0 balance reporting so I will probably have to let one of them report a small balance since my transunion score dropped. I am planning to buy my first home by august of next year and I'm afraid that my score will be low on there.

[SouthJamaica]

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@bbeaver2013 wrote:

I currently have mine and my wife's auto loans with state employees credit union and I also have a 3k credit card with them. However for some reason their not reporting to transunion and I believe my score is lower because of this. I do have 4 other credit cards and a student loan reporting but that's it. All of my credit cards are at a 0 balance reporting so I will probably have to let one of them report a small balance since my transunion score dropped. I am planning to buy my first home by august of next year and I'm afraid that my score will be low on there.

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Are you looking at your mortgage scores?

[bbeaver2013]

These are my mortgage scores as of 7/6/21

[OmarGB9]

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@bbeaver2013 wrote:

These are my mortgage scores as of 7/6/21

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It appears that TU is actually your highest score. As for your question, you'd have to call and ask SECU if they can report to TU. But, they aren't required to.

[Anonymous]

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@bbeaver2013 wrote:

I currently have mine and my wife's auto loans with state employees credit union and I also have a 3k credit card with them. However for some reason their not reporting to transunion and I believe my score is lower because of this. I do have 4 other credit cards and a student loan reporting but that's it. All of my credit cards are at a 0 balance reporting so I will probably have to let one of them report a small balance since my transunion score dropped. I am planning to buy my first home by august of next year and I'm afraid that my score will be low on there.

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They may not report to TU.   There is no law that says a company has to report to all 3.   There have been some cases here where other creditors do not report to all 3 CB's. 

[calyx]

Greetings fellow Carolinian -

I asked a friend (since I am a member of SECU, but don't have any loans/products through them) and they said that their SECU account isn't on TU either, so it might just be a SECU thing.    At least as far as positive accounts are concerned.

Good luck with the mortgage!

[bbeaver2013]

Thanks for the reply. I believe I should be fine with my other cards reporting. Can't wait till next year I'll finally become a home owner.