Transunion Credit Reports

[smallfry]

You don't have an old TU report? Sounds like you will have to call if you can't find the info.

[DI]

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@smallfry wrote:
Keep pulling your EQ and EX reports and see what happens.

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Below is what happens:

 
According to the Fair Credit Reporting Act, credit grantors listed in this section had a permissible purpose to review your information, although the requests listed in this section do not display to them. When a request for your information is made, it will display on your credit report for two years.  
We report these requests only to you as a record of those who reviewed your information, and we do not include any of these requests on credit reports to others.   • EXPERIAN
  Date:   August 21, 2009 , August 20, 2009 ,
            August 19, 2009 , August 18, 2009 ,
            August 17, 2009 , August 16, 2009 ,
            August 15, 2009 , August 14, 2009 ,
            August 13, 2009 , August 12, 2009 ,
            August 11, 2009 , August 10, 2009 ,
            August 9, 2009 , August 8, 2009 ,
            August 7, 2009 , August 6, 2009 ,
            August 5, 2009 , August 4, 2009 ,
            August 3, 2009 , August 2, 2009 ,
            August 1, 2009 , July 31, 2009 ,
            July 30, 2009 , July 29, 2009 ,
            July 28, 2009 , July 27, 2009 ,
            July 26, 2009 , July 25, 2009 ,
            July 24, 2009 , July 23, 2009 ,
            July 22, 2009 , July 21, 2009 ,
            July 20, 2009 , July 19, 2009 ,
            July 18, 2009 , July 17, 2009 ,
            July 16, 2009 , July 15, 2009 ,
            July 14, 2009 , July 13, 2009 ,
            July 12, 2009 , July 11, 2009 ,
            July 10, 2009 , July 9, 2009 ,
            July 8, 2009 , July 7, 2009 ,
            July 6, 2009 , July 5, 2009 ,
            July 4, 2009 , July 3, 2009 ,
            July 2, 2009 , July 1, 2009 ,
            June 30, 2009 , June 29, 2009 ,
            June 28, 2009 , June 27, 2009 ,
            June 26, 2009 , June 25, 2009 ,
            June 24, 2009 , June 23, 2009 ,
            June 22, 2009 , June 21, 2009 ,
            June 20, 2009 , June 19, 2009 ,
            June 18, 2009 , June 17, 2009 ,
            June 16, 2009 , June 15, 2009 ,
            June 14, 2009

[DI]

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@Anonymous wrote:

it won't let me see my TU because it can't authenticate me. It's asking me for the numbers to old revolving accounts for which I no longer have the numbers

so I'm trying to figure out what to do. I see the numbers on my old EQ report but that leaves off the last 4 digits, how am I supposed to find the full 16 digits from an old credit card?

I wonder if entering 12 out of 16 digits would work.  Would you get locked out of the account for 1 wrong answer?

Message Edited by urgent_help_needed on 08-21-2009 12:48 PM

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You must have a freeze on your credit reports

[DI]

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@smallfry wrote:
You don't have an old TU report? Sounds like you will have to call if you can't find the info.

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Experian wouldn't allow a person 90 days to access their reports if they had a problem with the frequency.

[smallfry]

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@DI wrote:

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@smallfry wrote:
You don't have an old TU report? Sounds like you will have to call if you can't find the info.

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Experian wouldn't allow a person 90 days to access their reports if they had a problem with the frequency.

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Sometimes you fall through the cracks. You do realize that EQ EX and TU sell their reports dont you? I am the last person to tell someone not to backdoor their reports on ocassion but I would advise newcomers to credit message boards that pulling your reports repeatedly for free is an outright abuse of the system.I speed and run stop signs all the time. It ain't legal though.

[Anonymous]

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@smallfry wrote:
You don't have an old TU report? Sounds like you will have to call if you can't find the info.

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unfortunately I don't.   I wish they asked a mix of questions instead of asking me about very old revolving accounts.

Has anyone called and had them be willing to ask different authentication questions?

[DI]

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@smallfry wrote:

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@DI wrote:

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@smallfry wrote:
You don't have an old TU report? Sounds like you will have to call if you can't find the info.

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Experian wouldn't allow a person 90 days to access their reports if they had a problem with the frequency.

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Sometimes you fall through the cracks. You do realize that EQ EX and TU sell their reports dont you? I am the last person to tell someone not to backdoor their reports on ocassion but I would advise newcomers to credit message boards that pulling your reports repeatedly for free is an outright abuse of the system.I speed and run stop signs all the time. It ain't legal though.

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You must own stock with the big 3 CRA's?  A free report isn't going to reduce the value of the CRA's stocks.   They make more than enough money selling FAKO's to the people who are less informed.  

I will continue to check my report as often as necessary without paying. I encourage others to do the same.  There's no law prohibiting consumers from accessing free reports.  The CRA's are very capable of not allowing one to access its reports free of charge if they choose.

[haulingthescoreup]

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DI wrote:

...The CRA's are very capable of not allowing one to access its reports free of charge if they choose.

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Well, that's kind of my concern. I'd like to be able to continue doing this, without them deciding to discontinue this.

I backdoor my full TU and EX reports once a month (I pay for EQ Credit Watch Gold.) They must know that people are doing this, but since the method is to pretend to dispute, I'm thinking that they'd rather we not do so.

With the demise of TrueCredit and the other genuine daily pull monitors (the reports I get through the EX monitoring services like CreditSecure are not genuinely updating daily --maybe weekly, if that), I can understand why someone would want to pull free reports daily. But I'm hoping that these folks' actions don't result in everyone losing access.

To borrow another member's name and siggy, just my 2 cents.

[smallfry]

My thoughts exactly Hauling.

[Anonymous]

If you backdoor EX too many times too close together you definitely will be locked out. It happened to me. If you wait "a while" after a lockout - and I have no idea how long is enough - you can resume. I find that if I hold it to once per month it will work fine and you can probably get away with a second pull for an emergency. This definitely needs not to be abused!