TU missing my history

[mikey78]

I just checked my fico report on here for TU
and saw that it only has one Credit card on my accounts page
EQ and EXP has 10 accounts and one negative and Experian has  11 accounts (negative account included)
I tried the dispute button on the TU homepage but when i log on i get error message and i should contact them
i will contact them in the morning but can anyone provide me some details how to get TU to add missing info on my credit report??

I recently had a name change and updated my SSN of my new name change
having said that Eq and Exp both have my former name and my current name on my reports along with all the histories

I even checked with capital one to see if they are reporting and they said they have been reporting my history since 2007 when i opened my account
and they will report and it's really up to TU on how they file the information that capital one sends

Last week I've searched how to get into contact with a real person with a TU representive i believe thru this site or googled it
and i spoke with someone and explained my situation, she said she will sendme a copy of my report and from what she sees on the report
that she see more then one account ,


the rep says she sees more then one but won't disclose how many is on the file but i just paid 22 bucks to check my report to see if there are indeed more than one credit cards or revolving credit but i only see my 10 year old bank of america card that has 500 CL on my accounts but that has now been closed since i've got a better card from the company and that isn't even showing (bank of america new cards are showing on my exp and eq reports)

PLEASE HELP

[llecs]

Maybe the name change did it? If I had that I would start by pulling my TU report on multiple occasions (even for free via sites like CreditKarma) to see if my TU report changed at all with each pull. If you do see different reports with each pull then that is indicative of a split file. It seldom happens with TU but there are a couple of examples in here of that. 

If you are still having the problem after that then I'd start calling them to see if there is a split file issue. Wait though for that report to come in.

These cards are all open right?

How new are the newest CCs? Sometimes it takes a month or two so I'd be patient with that if still inside that time frame.

[mikey78]

I applied for AMex bce and i do see a credit pull and bank of america and couple of others

But i was declined from amex and i did get a card from bofa and the only card that was listed on my TU was closed because i tried to convert the history and limit to my new card which i only transferred the limit and yes the card is now closed

i have 5 cards that's closed that were opened from 2003 to 2010 range
I've had a car loan which I faced judgement (but i don't need that on my report)
I have Paypal Smart Connect , Gap, Express charge cards but they aren't on TU only EQ and Exp

[mikey78]

frekkin TU dispute rep is telling me it's how the creditors report and i should call my creditors ??
I tried cap one and they said they reported since i opened my account

UGH>..... Freaking losers TU

[AndySoCal]

I would contact the creditor(s) and update your account(s) with each one with your new anme an social security number.  When you pulled your reports which name and SSN did you use ?

[mikey78]

My name and SSN are all updated
I just had a argument with TU
they said to wait one more day since creditors update once a month either the end of the month or first week of each month

I have credit cards that's dating back to atleast 2002 and your telling me they didn't update yet?? i can understand if it was a new credit card that i'm trying to put on my history but My creditors have been reporting my histories to them since i'lve opened my accounts and EQ and EXP all have my reports and they are just slow with TU??

he was basically saying the same thing over and over how to wait another day for the creditors to report
I've waited long enough in some cases atleast 10 years depending on which credit card i'm talking about

i told him to start my investigation and he said he will send me my copy of CR so hopefully i'll be able to get something done but by the looks of things I'm gonna have to find a lawyer who handles this (too much hassle)

[AndySoCal]

If I am mising something forgive my stupid questions that follow. I presume the name and and ssn change being recent mensa within the last couple of months and the creditors updated some time after that correct ? If so is yoour new name and ssn reporting to the other two bureaus correct? Some creditors report after each statement date others report  on a specific date.  If other crreditors are reportting your new name and ssn one would think TU would have gotten the same update. Lets see what happens with the investigation.