Problems with Transunion Score

Anonymous · ‎02-22-2008

I have been treading the Fico waters for a while now (six months). When I started really working on my Fico score the started like this: EX 470, EQ 531 TU 531 09/06. I have paid off all 4 collections, pain down my two credit cards to less than 8%, I had lots of 30, 60, 90 day lates. I now have paid my bills on time highest on time two years and lowest on time 7 months. My new Fico scores are EX 524, EQ 610, TU 540 02/08. My TU has only gone up 9 points while all others have gone up over 50 points? So what is going on with TU? I don't understand the problem here. I have had items corrected on my report, things have been deleted, every thing looks good on my reports errors are fixe, bills on time. Please send a credit guru to Help me!!!! Need help only 50 points from my FHA house loan... ARGGGG

Message Edited by MichelleR65 on 02-22-2008 03:58 AM

Anonymous · ‎02-22-2008

Hi Michelle, welcome! Gosh, it's about time you stop lurking and start joining in the fun!

Hmmmm...... have you done a side by side comparison of all 3 reports? Do all report the same lates in the same way? Those 60, and 90 day lates are really hurting your scores...to the point of being as bad as a collection itself. Anything in public records?

Congrats on working to improve your scores. Keep up the good work! Sounds like it's time to start GW'ing all over the place, imo.

Anonymous · ‎02-22-2008

Thanks for the welcome!!!!!!!!!! As for your questions I am going through them with a fine tuned comb, very long process. As for my lates of 90 and 60 days are over two years old. I have found a couple collections that have reported twice under different names. Is this a common practice? I am going to win the credit war, all good battle are long and well fought. I am getting there. If you have any ideas please let me know

Michelle