Ongoing Frustration w/ myFICO & TransUnion

[Anonymous]

I'm glad you got your problems figured out.  I have the same problem with TU, started reporting two days ago, stating a negative "two late payments on my credit report".  I have only one active TL on that report and all of the payments show "ok".  I don't know what the deal is there.  I haven't bothered with it yet because I have a new account that reported to the other 2 CRA's 3-4 days ago but not yet on TU.  Once that updates, I'll see if it corrects my late payment issue.

With their systems being down so much lately and not reporting on time and reporting incorrectly, I really hope they're not correcting the "bumpage" issue - I am so close and don't want to miss out on that!

[Anonymous]

I think I'm having the same problem.  I have a discharged bk just under 2 years ago.  My EX and EQ FICO scores are pretty similar.  My TU FICO is almost 100 points lower than the other 2 scores and the summary says have a 21 deliquent accounts with one as late as 2 months ago.  I went through my TU report carefully and can't find any late payments for the past 2 years.  In fact, I have a subscription to TU's credit monitoring and it actually gives me a higher score than EX and EQ based on their scoring system.  I'm thinking it's probably due to how TU reports these bk discharged accounts and how FICO reads it.  I'm going to try what you did and see if it makes a difference.