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Transunion

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Shawndoe79
Established Contributor

Transunion

Anybody else's Transunion score increase without any explanation at all?  It just says your score increased from blah to blah, it has done this 3 times. Not that I'm complaining, just curious. 

Current Scores EQ 689| EX 688| TU 679
Comenity 57.5k| Navy Fed 52.5k| Capital One 32.3k| Synchrony 23k| BBVA Compass 5.5k| First Commerce 4k| Barclays 1.9k|
GARDENING UNTIL APPING....
Message 1 of 9
8 REPLIES 8
Anonymous
Not applicable

Re: Transunion

Same here, usually get an alert a couple days before about balance change or something vague and a few days later an increase.  While EQ hardly moves.

Message 2 of 9
Shawndoe79
Established Contributor

Re: Transunion

Ok I see. However my Equifax has increased nearly 100 points since end of January. It's my best score. Now EX and TU are seriously playing with my emotions. I stalked them many times a day Smiley Very Happy

Current Scores EQ 689| EX 688| TU 679
Comenity 57.5k| Navy Fed 52.5k| Capital One 32.3k| Synchrony 23k| BBVA Compass 5.5k| First Commerce 4k| Barclays 1.9k|
GARDENING UNTIL APPING....
Message 3 of 9
Anonymous
Not applicable

Re: Transunion

Did somebody mention Transunion?

 

Message 4 of 9
Anonymous
Not applicable

Re: Transunion

I was wondering the same as soon as it hit may first my EQ And EX went up 31 and 35 pts next day teams alert my fico saying it went up 39pts and nothing changed in my report I'm totally confused but I know I've been losing a lot points lately and seem not to be able to win but I will take this anyway and ideas
Message 5 of 9
Shawndoe79
Established Contributor

Re: Transunion

Awesome CapTool 

Current Scores EQ 689| EX 688| TU 679
Comenity 57.5k| Navy Fed 52.5k| Capital One 32.3k| Synchrony 23k| BBVA Compass 5.5k| First Commerce 4k| Barclays 1.9k|
GARDENING UNTIL APPING....
Message 6 of 9
NRB525
Super Contributor

Re: Transunion


@Anonymous wrote:

Did somebody mention Transunion?

 


There has got to be something that is being reported then removed from your reports on a pattern. There are specific days and notifications?

Have you tried pulling a full report when at 800 then again when at 731?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 7 of 9
Anonymous
Not applicable

Re: Transunion


@NRB525 wrote:

@Anonymous wrote:

Did somebody mention Transunion?

 


There has got to be something that is being reported then removed from your reports on a pattern. There are specific days and notifications?

Have you tried pulling a full report when at 800 then again when at 731?


The drops happen every time I get an alert. The spikes are when I pull a full report. The report is clean every time I pull it here. It's clean when I pull it directly from Transunion. The only thing I can think of is that the alerts are pulling an old report from before my tax lien vanished in early March.

Message 8 of 9
NRB525
Super Contributor

Re: Transunion


@Anonymous wrote:

@NRB525 wrote:

@Anonymous wrote:

Did somebody mention Transunion?

 


There has got to be something that is being reported then removed from your reports on a pattern. There are specific days and notifications?

Have you tried pulling a full report when at 800 then again when at 731?


The drops happen every time I get an alert. The spikes are when I pull a full report. The report is clean every time I pull it here. It's clean when I pull it directly from Transunion. The only thing I can think of is that the alerts are pulling an old report from before my tax lien vanished in early March.


Ok, that explanation is plausible. Similar to the last time I bought a full report here, at October 31, that is the baseline for all the projections of Best Actions. If something dramatic changes, it might not have been fully updated yet.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 9 of 9
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