On a number of boards, especially CreditBoards, people are reporting changes (some of them huge changes) in their TransUnion reports.
1) Old accounts gone. I lost half of my tradelines. 2) Old deleted accounts reinserted, especially derogatory accounts. 3) Existing accounts reporting in newly wrong ways (such as included in bankruptcy when the person had never filed bankruptcy). 4) Other people's files mixed in with theirs.
On the up side, it looks like they've added some other things, like updating creditor names and so on.
Anyhow, I encourage y'all to check your TransUnion report by the means of your choice (though I'm sure our sponsors would like you to pull your FICO report) just to double-check that everything's hunky dory.
For me, my FICO went up 8 points, but others have reported 100 point losses.
Just got True credit this month. My file is not that large to begin with. Also what I have noticed so far. An account last date of activity 1999, discharged in BK now shows last date 1999, closed Jan 2007 Also my school loan is currently in deferrment but has the same listing as the accounts included in BK. I did not loose accounts an old one came back but it came back as NEW that is why I believe I had an alomost 100 pt drop. When it originally deleted I did not gain that many points (I think since it was so old was not hurting as much) now it looks brand new, My fear is I was supposed to go get approved for a mortgage this week
Yikes!! Luckily I haven't had that issue I know if a col...
Yikes!! Luckily I haven't had that issue I know if a collection is bumped of andf the creditor is still updating, monthly, quarterly whatever it will come back even aftyer its bumped. As long as its reporting the correct DOLD or opening date it should effect the FICO score much. TU will look at paying off an account as a new collection if it hasn't been updated in a while as that happened to me. FOCO removed that bug.
I did have one disappear early. It was sched to be removed in June of this year but I had paid it off long ago so it was reflecting a 0 balance. Hopefully, the creditor won't bother updating this one adding it back to my file.
Well they told me there was no problem but that it was reporting wrong. Macy's agreed I called them to and TU was going to call and verify. They told me that it could take up to 1 month but that it should be cleared up quickly and to call by the end if the week