Transunion Score Dropped 11pts - incorrect data WTH?

[Repairman]

Ok, so I recently opened a new Banana Republic card and my Transunion score did not take any type of hit or increase from the inquiry, or the account reporting. However today, over a week later, I get an alert that my score has dropped 11 points, and the reason is the total balance amount on all my accounts has changed. I pull my Transuion report and see that change is now my total balance across my cards is '0." 

1st off, is that common for a zero reporting balance to drop your score as much as 11 points? Secondly, when I look at my 3 reports, that info is not even correct. I have a $3000 credit limit on my Banana card and a $158 balnce on it, but for some reason, only Experian and Equifax are reporting that correct info, while Transunion is NOT. According to Transunion I have a $800 credit limit (which I did at one point but don't anymore) and a $0 balance. Why is Transunion's reporting not up to date? And is that something worth disputing now, or should I just wait a month until it hopefully updates?

[takeshi74]

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@Repairman wrote:

1st off, is that common for a zero reporting balance to drop your score as much as 11 points?

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Standard advice includes not allowing all revolvers to report 0 balances.  There is a hit for doing so.  Here are the basics in a nutshell:

• Do not exceed 30% revolving utilization.
• Ideal is much lower.  If you want to eke out every possible point when applying for new credit then allow only one balance to report at 10% or less.
• Lower revolving utilization is generally better but do not allow all revolvers to report 0 balances.

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@Repairman wrote:

Secondly, when I look at my 3 reports, that info is not even correct. I have a $3000 credit limit on my Banana card and a $158 balnce on it, but for some reason, only Experian and Equifax are reporting that correct info, while Transunion is NOT. According to Transunion I have a $800 credit limit (which I did at one point but don't anymore) and a $0 balance. Why is Transunion's reporting not up to date?

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TU tends to lag in updating.  See also:

https://www.google.com/webhp?sourceid=chrome-instant&ion=1&espv=2&es_th=1&ie=UTF-8#q=TU+slow+site%3A...

When does your BR card report?  When did BR last update on your other 2 reports?

[Repairman]

The crazy part is I had a $1100 Balance report to Transunion 2 months ago. Then last month, that balance went down to $80, and that drop caused my score to go up 11pts. Now, that $80 has reported to Transunion a $0, and I lost the exact 11pts I had gained before.