I'm a longtime user of the USAA credit monitoring service through experian credit check. My scores all are good and all 3 reports have details in them. Today, I learned that not only is my Transunion score 100+points lower, but the details provided by the service for Transunion are completely fabricated. I'm thinking Experian is filling in details from the Experian report to the Transunion report to make it look like they're pulling 3. They may have had issues pulling my TU because of some personal address issues and decided to substitute the detail instead?
For example, let's say I have 5 accounts in good standing. All 3 bureaus are showing details on those accounts when pulling through USAA/Experian.
When I switch over and pull manually from Transunion, none of those 5 accounts are displaying. My score is very bad and there are NO tradelines reporting on Transunion.
I think the cause for the Transunion lack of tradelines will be due to my personal information not updating. It looks like they haven't updated details on me in 10 years. So, I'll deal with that. But, I'm extremely displeased that the Experian service populated incorrect details in the Transunion column as if I had a valid report all this time. The scores were synched up too, but I care less about that. I care about the details displayed on the reports.
By contrast, when I used Transunion service today to pull a 3-in-1, I received more accurate details, such as ...
TU - 1 account
EX - 10 accounts
EQ - 11 accounts
That clearly displays an issue when there's such different numbers from report to report. Don't understand why Experian monitoring wouldn't simply report the details as-is.
So, just a warning to those of you relying on USAA Experian service. I found out the hard way today.
