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Fico jumped pts on TU but.....

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AzCreditGuy
Valued Contributor

Fico jumped pts on TU but.....

So my TU score has always been lower than MY EX and EQ score by at least 15 to 20 pts. I received a email about my Fico score change with Barclays in which my  score is now 723 (6/23/20) The last report which I ran for the 3 had my TU at 714 (6/17/20). Thinking some factors caught up and boosted my score 1 inq inscorable, balances dropping, some accounts being 1 year old, etc. I just let it go and was happy , well today it seems the Fako score Websites (credit karma, wallet hub) are now sending me alerts of new Inq and authroized user account, all from 2019?

 

The authroized user account is under my parents and I was added to this card a long time ago, and it has a monthly balance of $0 and CL of $22.5k which I dont mind that being on my report 

 

But now that 2 Fako websites are showing the following 3 auto INQ, I called up Chase and they could not find any information with my personal information that I applied for a Auto? I am going to pull another real 3 Fico score when my Experian trial is over and see if it shows up on my Ficos? Has anyone every had this happen to them before? For TU, I should only have 2 INQ...1 that will become unscoreable or is now for June 2019 and the other for July 2019

 

 

Auto Inq.JPG

 

 

 

 

4 REPLIES 4
AllZero
Mega Contributor

Re: Fico jumped pts on TU but.....

@AzCreditGuy   Have you tried checking AnnualCreditReport for a more detailed report regarding the inquiries? Free weekly 3 bureau online reports through April 2021.

Message 2 of 5
AzCreditGuy
Valued Contributor

Re: Fico jumped pts on TU but.....

@AllZero I am only able to pull EX from there, TU and EQ require me to send docs to get my free reports. I am little concerned about the Fako information spilling over to my true Fico scores. I mean they are pulling in information from TU?

Message 3 of 5
AllZero
Mega Contributor

Re: Fico jumped pts on TU but.....

@AzCreditGuy. I think you can request by automated phone. No docs required. I got my EX and EQ report USPS mailed to me.

Message 4 of 5
AzCreditGuy
Valued Contributor

Re: Fico jumped pts on TU but.....

TU is complete garbage.....

 

I have a credit report that was mailed off to me on 05/12/2020 in the Regluar Inq it shows 2 Inq that were made by me, US bank and Barclays. 

 

I just got off the phone with TU and now they are showing 3 extra inq, the ones from above and now I am being told that I have to contact each lender for letters to prove I didnt make these INQ.....

 

I think I will let legal shield handle this matter, I am in no mood to go through hoops for TU when they cleary have never had these 3 auto INQ on my report for the past 10 months, my vehicle is paid off and I have never applied for a auto loan...Beyond pissed off at TU 

Message 5 of 5
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