Transunion/Experian missing one of my longest-standing creditors..

[Anonymous]

My transunion/experian (but not Equifax) credit reports are missing information from one of my credit cards, and unfortunately it's the one I've had the longest. This also means they're missing about half of my revolving credit and think my utilization is twice as much as it is! This makes my score under their report much lower, and unfortunately, Transunion is the report pulled by the lender I went to. What's the best way to correct this? Should I file disputes with Transunion and Experian? Their online dispute only seemed to have a way to correct information that SHOULDN'T be on the report. 

[MarineVietVet]

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@Anonymous wrote:

My transunion/experian (but not Equifax) credit reports are missing information from one of my credit cards, and unfortunately it's the one I've had the longest. This also means they're missing about half of my revolving credit and think my utilization is twice as much as it is! This makes my score under their report much lower, and unfortunately, Transunion is the report pulled by the lender I went to. What's the best way to correct this? Should I file disputes with Transunion and Experian? Their online dispute only seemed to have a way to correct information that SHOULDN'T be on the report. 

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Welcome to myFICO.

The CRA's can only report what is sent to them. Have you checked with the card issuer to make sure they are sending all the data they are supposed to?

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

I see, no I haven't checked with the issuer. They are my local credit union so perhaps they only reported it to one agency? If I ask them to report it to all three, are they required to?

[MarineVietVet]

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@Anonymous wrote:

I see, no I haven't checked with the issuer. They are my local credit union so perhaps they only reported it to one agency? If I ask them to report it to all three, are they required to?

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This could be it. The local CU I use for all my car loans does not report to TU. You can ask them to report to all three but they aren't required by law to report to any of the CRA's.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[GregB]

A smaller lender is less likely to have a contract with all three CRAs. They won't normally have a contract with a CRA and not report since part of the contract normally states that they will report all customers.

If they aren't reporting to one CRA, they probably don't have a way to do that.