Tu vs TU FICO clean-dirty? Quick help please

[Cranski]

My Tu report is clean. Has been cleaned. My TU FICO apparently is dirty dirty dirty.

Do I have to go to all 6 reports individually???   ex: Tu, EQ,EX, EX FICO, TU FICO, Telnec

I got a denial letter from Discover. Although on the phone I was approved. Now I don't even know.

Original App Spree

http://ficoforums.myfico.com/t5/Credit-Cards/2nd-card-afteryear-with-Wells-Fargo-Secured-Updated/td-...

Originally I was told card would arrive 8/7/2012 about 8pm on 7/31

checked discover app.

Discover® Card
		Date Submitted: 7/31/2012 Your application is being processed. We have received your information but need to perform additional processing before we can provide you with a decision. You will hear from us within 30 days of your application being submitted. Please check back in the future to get an update on the status of your application.

[DaveSignal]

Well, yes, you need to know what your FICO is.  If Discover pulled TU, your denial letter should have your FICO on it.  But FICO score is not the only reason a creditor would deny your application.  You probably just don't have enough credit history.

[pizzadude]

Your TU FICO® score is based on the information on your TU report at the point in time that you pull the score. When you say that your TU report is clean are you saying that it has no negative information on it at all ?

[Cranski]

Absolutely no negatives on my TU. It and Experian are clean as a whistle. EQ holds to derogs for small utility 1 & 2 years old.

I got

TransUnion - Consumer Relations

"address"

www.transunion.com

None used

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None Used

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We also obtained your report from this consumer reporting...

Type of credit Score FICO

Your Credit Score 666

Date July 31, 2012

Scores range from....

Key factors

Derogatory Public record or collection filled

Length of Time Accounts have Been Established  (1 year wf secured PID on time or it should be...)

Proportion of Loan Balances To loan amounts is Too High  (3 student loans current in school)

Too Few Accounts paid as agreed.

This information was....

I was approved in the evening but discover website says still processing. They didn't know the employer number was to employer since I put student and salary. So I will call them tommorow.

I'm getting the TU report only hopefully, I have the online account at www.transunion.com

waiting for them to fix it again. Always a hastle.

I cleaned it two months ago. I use CK to keep up with any new info.

What a pain.

[Repo-ed]

There is clearly something on your TU that is not clean as a whistle.

Time for you to pull your TU from here, as well as your EQ.

[Cranski]

I stand corrected. That little peon CRA posted the 2 year old paid account on 6/26/2012 I had it clean.

*I had this removed already, I need to find dispute from last time, they never answered back so it was removed.

Well thats what I get with Free, CK letting that slip by.

They may be soft but the amount of requests are ridiculous.

ConsumerInfo.com  written authorization for 3 years to pull every 3-4 months. I think not fcs.

Insurance companies galore, I don't even own a car.

I thought Fico didn't take student loans/instalment into account with loans deffered till 01/2014?  Edit> nvm forum myfico- Credit Company Calculation

[Cranski]

I hate transunion. Got the disclosure report and sent email with 30 day access.

Identity theft name back after 10 yearly removals, address corrected 6/26/2012 removed.

Followed online dispute- kicked out of server.

Please pay 12.00 for disclosure.

3 CSR later 2 hung up.

Told transunion does not manages www.transunion.com call truecredit

called truecredit, closed does not exsist auto dialed back to transunion

CSR keeps trying to sell 7-day trial. I'm not entitled to disclosure.

I want back in to this report #.....

No sir, if you sign up for the 7 day we will let you in.

Escalated after I chewed him out, to supervisor.

Supervisor emailed gift certificate for 30 day disclosure. Company closed at 11:00

Gift certificate rejected invalid....