I just got my updated quarterly score from all 3 bureaus, and have noticed that TU is still reporting an late payment which seemingly doesn't exist. I noticed on my last quarterly report, which I got at the beginning of November, that TU was reporting 1 30 day late payment which was 1 month old. In today's update, it's showing that the time of the last missed payment was 4 months old. This isn't correct (since by CH7, I've never been late on anything) and when I scroll through all of my accounts (both open and closed) I see no late payments since I filed by CH7 in June of 2019.
My question, is how do I report an error when it isn't linked to a specific account? Do I just submit a request indicating that their record is in error, without tagging a specific account that I'm reporting on? I've never had an issue like this before and since my CH7, I really want my report to reflect correctly, just am unsure on how to proceed.
Any advice is welcome.
@Anonymous wrote:
@md_rebuild wrote:I just got my updated quarterly score from all 3 bureaus, and have noticed that TU is still reporting an late payment which seemingly doesn't exist. I noticed on my last quarterly report, which I got at the beginning of November, that TU was reporting 1 30 day late payment which was 1 month old. In today's update, it's showing that the time of the last missed payment was 4 months old. This isn't correct (since by CH7, I've never been late on anything) and when I scroll through all of my accounts (both open and closed) I see no late payments since I filed by CH7 in June of 2019.
My question, is how do I report an error when it isn't linked to a specific account? Do I just submit a request indicating that their record is in error, without tagging a specific account that I'm reporting on? I've never had an issue like this before and since my CH7, I really want my report to reflect correctly, just am unsure on how to proceed.
Any advice is welcome.
@md_rebuild pull your TransUnion report from annualcreditreport.com. That is the most accurate and comprehensive report you can get. Then search that report and look for anything adverse. You will probably find it then. Please report back and let us know the results.
Thanks for the tip. I did so, and there are no 30 day lates being reported in TU on the one from annualcreditreport.com. I'm going to pull the other 2. One thing I did see on there that I like is that drop-off date is included on each creditor (really is nice for those who filed BK), so I can put those in the calendar and see if there's any corresponding point bumps based on them falling off.
Thanks for the tips!