Hi everyone, sorry for the long post. Off and on for the greater part of a year I have experienced strange fluctuations in my TU score. I would get a random alert that my score had changed, often times with no information accompanying it. Worried that something was amiss with my report I would purchase a fresh TU report from myFico to find that my score was still "high" and nothing new/negative was showing. I cannot tell you how many times I repeated this process last year.
Hopeful that the issue was resolved, I purchased a new 3B report on FEB 4th. Sure enough, on FEB 9th I got an alert that my balances had changed, logged in and my score had dropped 100 points (756 to 656). It has nothing to do with balances as my previous "retail trades" alert from 12/27/15 showed a balance of 1679 and the new alert had a lower balance of 739. If anything I should have either gained points or stayed the same, but NOT dropped 100 pts. Below are examples of the erratic scoring from last year before my report was entirely clean. It was clean as of December so there should be nothing derogatory listed on my factors. I have also included images of my score from Discover and the last alert drop.
I am wondering if I should file a complaint with the CFPB because the lower score and derogatory factors are being sent to my creditors ( Discover, Barclay, and Synchrony). Discover has denied my cli requests on the basis of the incorrect score and factors and it is super frustrating. I have put great effort into rebuilding my credit and to finally get a clean report to only have it shared as "dirty" is just ridiculous to me.
Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
You aren't alone. I stopped worrying about it several months ago since every time I've apped with a TU puller the correct score comes up.
@manyquestions wrote:So all you have on your credit reports right now are those three open credit cards? Anything else? What are your credit limits and balances on the "higher score" reports vs. the "lower score" reports? How long ago did you open the cards? Are there any other comments listed on your MyFico reports
Hi there..no, I have many other credit card accounts both open and closed on my report...and also installment loans( all closed). ALL positive, no negatives anywhere. Barclay, Synchrony, and Discover all provide Fico scores and use them for account management (credit limit increases, etc. ) so that is why I specifically mentioned them. I have about 83K in credit, an AAoA of 4.5 years, and current utilization hovering at about 8%.
I can't pull a report with the lower score information because it does not exist. Every time I pull a new report my higher score is reflected. There seems to be a disconnect /faulty reporting on Transunion's side of the equation. I have tried to work directly with TU, but each time they pull up my report they see that it is clean....if it is clean, there is technically nothing to dispute so therefore they are unable to help me. Below are factors from the Discover score , as well as the wording and score from my last 3b pull....
@Anonymous wrote:You aren't alone. I stopped worrying about it several months ago since every time I've apped with a TU puller the correct score comes up.
Yeah...I know you were also on the fantastic roller coaster ride right along with me. I am just so frustrated because Discover is denying my credit limit increases due to the faulty reporting. They cite the low score and nasty factors with every denial. It is simply NOT FAIR (arms crossed, mouth poked out, and foot tapping) LOL.
@Anonymous wrote:I've thought about calling Discover customer service just to see if they might have any ideas about what is going on. I have the same issue with Barclays. But every other source, and every other pull comes up clean with the correct score.
I have spoken with Discover twice this week, first time via live chat, second time by secure message, and they aren't able to help me either. Talk about frustrating! I am sure I can apply for something new and have a great chance of approval, but as for the growth on my current accounts that use TU for account management, I am totally up a stinky creek wth no paddle in sight 
@RobertEG wrote:The FCRA permits you to dispute inaccuracies in your credit file, but not credit scoring that is generated from your credit file information.
You can, if a dispute is decided in your favor, require the CRA to provide notice of the correction to any party to which they have provided a credit report within the past two years, but again, that is limited to information in your credit report, and not your score.
The FCRA advises consumers with questions/complaints over credit scoring to contact the developer of the score.
The FCRA, and accordingly administration therof by the CFPB, does not regulate or review credit scoring.
Wow...it is not looking good for me! I am not sure who is exactly to "blame" for it....is it TU sending out junky information? Is it just some weird glitch that is pulling up way old report information,generating the score, and providing it to my creditors ? I don't see it being a failure in the FICO scoring system because if it was , it would affect more than just a few people...it must be something else., but what?!!?