So I figured out why my transunion score is running 30-35 points lower then Experian and Equifax.
Everything matches..all 3 reports
BUT
My CreditCard is not being read as a CreditCard with Transunion.
How do I fix this??
@MrTom wrote:So I figured out why my transunion score is running 30-35 points lower then Experian and Equifax.
Everything matches..all 3 reports
BUT
My CreditCard is not being read as a CreditCard with Transunion.
How do I fix this??
You'll need to provide a little more info before anybody can really provide feedback... namely, which credit card is reporting incorrectly, and how is it reporting on TU?
In most cases the solution will likely involve reaching out to the issuer directly, but if you'll share the issuer with us it's possible somebody has had a similar problem and will have some pointers. 
I know I'm going to get alot of crap but the card is: SURGE
Its reporting as Unknown
Which is strange because Transunion is the main CB uses. But we are talking about a company who also uses Vantage scoring so that could be a reporting.
@MrTom wrote:I know I'm going to get alot of crap but the card is: SURGE
Its reporting as Unknown
Which is strange because Transunion is the main CB uses. But we are talking about a company who also uses Vantage scoring so that could be a reporting.
Nobody's going to give you any grief over having a Surge card... while it might not be the first issuer many would recommend, it's what you have and are working with now, which is what's important.
Since it's reporting as 'unknown' I'm not sure if it would be best to reach out to Surge or to TransUnion; I'll leave that for the gurus and Surge cardholders to help with. I definitely agree, though, that it shouldn't be 'unknown'.
@RobertEG wrote:The type of credit is a requried field under Metro 2 reporting.
Dispute the accuracy/completenes of their reporting, thus requring update to show the account as revolving, and thus its inclusion in mix of credit and % util of revolving.
OK let me give you a summary.
My 3B report says I have no credit cards under negative influences. But if I find my surge account in the account details it lists my loan type credit card
My Experian/CCI clearly says UNKOWN for account type. Experian/CCI uses Fico8. I also like this because I can do daily pulls, where 3B intermentely informs me of score changes.
In the myFico simulator, if I add acredit card as a what-if, it shoots my Transunion score up 35 points.
When I pull my Transunion report directly, it lists as Credit Card. But when I run my score, it is not factoring it in as a credit card.
How do I go about disputing this so Im not waiting 30 days to find out they investigated wrong.
Transunion is reporting:
CONTINENTAL FIN CO #5xxxxxxxxxxx****
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If you have the 3B product, post the reason codes out of your latest FICO 8 and FICO 9 scores for Transunion before doing anything else. Worst case you go open a couple of credit cards which incidently would be beneficial anyway even over the next year.
There is no recent activity on credit cards.
THat is what Transunion is reorting for 8 and 9
@MrTom wrote:There is no recent activity on credit cards.
THat is what Transunion is reorting for 8 and 9
Ah well, open a credit card or 3 
.
Doesn't look strange as my own CC's report similarly when I look at a base TU report, tongue in cheek aside you do want more than 1 CC anyway eventually, and for some strange reason your current one isn't counting as such on TU apparently.
i want to but seeing I'm shopping for a heloc, its kinda hard to now apply for cc until I know the heloc goes through. I know that one lender does an Experain pull for a HELOC. Meaning I can do a discover on EQ.