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Tradelines Disappear from Experian and TransUnion

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Regular Contributor

Tradelines Disappear from Experian and TransUnion

In the past month, I have had 2 of my Tradelines just disappear from Experian and TransUnion.

 

And not that I have bad tradelines, but it couldn't have been Negative Reporting Tradelines that disappear, it's 2 of my High Limit, Positive Tradelines.

 

$18K on TU and $10K on Experian

 

Anyone else experiencing anything similar to this?

 

Thank You

Starting Score: 567
Current Score: 739
Goal Score: 760


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Message 1 of 6
5 REPLIES 5
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Frequent Contributor

Re: Tradelines Disappear from Experian and TransUnion

Are the balances $0?

Can you be more specific what these tradelines are? Credit cards? Which lender?







Message 2 of 6
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Established Contributor

Re: Tradelines Disappear from Experian and TransUnion

Are they from SYNC? Seems to be a lot of TU and EX reporting problems with them lately.

Scores: Spt 20: EX FICO8 831, TU FICO8 828, EQ FICO8 823
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 3 of 6
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Regular Contributor

Re: Tradelines Disappear from Experian and TransUnion

The balances were small, 2% on 1 and 1% on the other.

 

They aren't Major Issuers, 1 is a Medical Lender in FL and the other is a Private Student Loan out of Arizona.

 

Starting Score: 567
Current Score: 739
Goal Score: 760


Take the myFICO Fitness Challenge
Message 4 of 6
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Regular Contributor

Re: Tradelines Disappear from Experian and TransUnion

They are not from SYNC ... all my SYNC accounts are reporting just fine for me.

 

Thank You

Starting Score: 567
Current Score: 739
Goal Score: 760


Take the myFICO Fitness Challenge
Message 5 of 6
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Frequent Contributor

Re: Tradelines Disappear from Experian and TransUnion

There are no laws that I am aware that say they must report anything.
Maybe the lender doesn't think it's worth the effort of reporting positive tradelines consistently.

If you ever went delinquent, I bet it would reappear.

 

Just thinking in generalities.

If you want to tell us the names of the lenders maybe some here have personal experience with them.







Message 6 of 6
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