Transunion Reporting Serious Delinquency as Credit Denial but Report Shows None

[jmattingly85]

I was recently denied credit and provided a score from Transunion, with the reasons that are impacting my score listed seriously delinquency and time since delinquency unknown. I pulled my free credit report and the score there was over 150 points higher and doesn’t list any delinquency whatsoever. When I call Transunion, they tell me that there is no delinquency on my report and the reasons listed are coming from the lender pulling my credit. When I pull my free score from a credit card I have that also uses Transunion, it also lists a low score and indicates it’s due to serious delinquency.

Has anyone else had this issue? Any suggestions on how to correct it?

[grower1]

What is your TransUnion score listed on the credit denial letter?

What is the score and source of the "free credit score" that is not attached to your credit card? 

It sounds like you may be looking at different scoring models. 

[jmattingly85]

The scores are different, yes, but I’m more worried about why its reporting that my score is effected by serious delinquency when I have none. I’ve pulled my free report from Transunion and the report doesn’t show any delinquency. I’ve called them and tried to explain what I’m getting back as credit denials and they say that I don’t have any delinquency.

[FinStar]

Were there any delinquencies or any derogatory information that was reported or known at some point in the past?

[jmattingly85]

There has never been either.