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Why Oh Why Does Transunion Lag so Far Behind? And When Will It Improve?

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Repairman
Established Contributor

Re: Why Oh Why Does Transunion Lag so Far Behind? And When Will It Improve?


@Anonymous wrote:

@Repairman wrote:

@Anonymous wrote:

@ntx wrote:

It was still there Monday morning, and it was on both the screen and the printed version. I won't be able to check again until next Monday. Maybe MyFICO monitoring will pick up a change between now and then though. 


@Repairman 

 

I also found that you can get a free TU CR (identical to the one from ACR) every 24 hours! No scores.

 

You go directly to the TU Website and request your report. I don't know if this is newer or has an end date, but I have been able to get a new report every 24 hours.

 

I do not pay for any services from TU, so this should work for everyone.

 

It is this website:

 

Transunion CRs 

 

After you login, go to the menu and select "credit report". SS below. There are two different screen that pop up, depending on how I login.

 

One way it may show upOne way it may show upTecond way it may show upTecond way it may show up

 

I have not been able to go straight in from the main webpage, as it states 6 x a year you can get a free report. Use this way.

 

If you cant use the link:

 

1. Go to Transunion website.

2. Click on Menu > Credit Help > Disputes > Start Dispute

3. Login

4. Then it is the same as above - click on menu > credit report

 

Either method will take you here:

 

 

Screenshot_20210203-023452_Gallery.jpg

 

 

@Repairman I am going to guess the lates fall off more toward the middle of the month. I cannot say exactly which day it drops, I will be chrcking my TU reports daily to see what drops when.


Thanks! I was able to check my report, even though I checked yesterday from the ACR site. I was hoping the TU site showed my expected date of removal though, and it still doesn't show, even there.


Are these just lates coming off or an entire account? If there is no "estimated date of removal", then that meams something in the reporting is making it a positive account and the whole account will not age off at 7 years. It will likely stay for 10 years after it was closed and each late will drop off individually as they each hit 7 years old.

 

This has happened to both me and my SO, which actually sucks.


It's not an entire account. It's a 120 day late from April of 2014. The account is paid in full and closed since 2014, so I know that will be there for a few years more. I'm just waiting for the late to be removed.

Message 31 of 36
ntx
Regular Contributor

Re: Why Oh Why Does Transunion Lag so Far Behind? And When Will It Improve?

Just stopping by to report that TU has now removed my 2 IIB items from 03/2014 that they showed were scheduled to be removed 02/2021. Last time I checked was Wednesday the 3rd p.m., so they deleted at some point before today the 5th. 

 

Only bumped my TU8 score by 2 points though Smiley LOL

Message 32 of 36
dunn2500
Established Contributor

Re: Why Oh Why Does Transunion Lag so Far Behind? And When Will It Improve?

TU doesnt like me much either, lol

 

Message 33 of 36
Repairman
Established Contributor

Re: Why Oh Why Does Transunion Lag so Far Behind? And When Will It Improve?


@ntx wrote:

Just stopping by to report that TU has now removed my 2 IIB items from 03/2014 that they showed were scheduled to be removed 02/2021. Last time I checked was Wednesday the 3rd p.m., so they deleted at some point before today the 5th. 

 

Only bumped my TU8 score by 2 points though Smiley LOL


Woo hoo! Today, I got an alert that Transunion FINALLY deleted my last remaining baddie from 4/13! I got the alert today, that the late was removed yesterday. And the good news got even better as my TU score shot up a whopping 44 points! My TU score is finally in lign with the others. FINALLY! Smiley Happy Smiley Happy Smiley Happy

Message 34 of 36
Repairman
Established Contributor

Re: Why Oh Why Does Transunion Lag so Far Behind? And When Will It Improve?


@Anonymous wrote:

@Repairman wrote:

Over the past couple of months, I have watched both my Experian and Equifax scores shoot up significantly, and yet my Transunion score has only gained a small few points, and actually dropped, even more. There is now, an almost 50 point difference, in the negative, between my Transunion score and the others. It's driving me crazy!

 

A bit of history: I had 4 baddies on my report that I have been working through over the past several years. Tonight, I pulled all 3 bureau reports and examined them and discovered that ALL of my baddies have finally fallen off of all of my reports, with the exception of 1 baddie, still present ONLY on Transunion. It is a 120 day late from April 2014, on a closed account that I paid off completely back in June of 2014. The other bureaus have removed this delinquency already, but Transunion has not.

 

Am I right to assume that it should be removed by April of this year? Or would it be June of this year? 

 

I also have 5 recent inquiries on my report from the past year, and you guessed it, 4 of the 5 ONLY appear on Transunion, the 5th one ONLY appears on Equifax and none are on Experian. So my other files are basically immaculate, but Transunion is being held down, yes by the recent inquiries, but mostly by that delinquency from 7 years ago.

 

Why have the other bureaus blessed me with slightly early removals but Transunion insists on lingering behind? And how long will the inquiries continue to impact my score? Will they weigh me down for a full 2 years, or will the impact lessen any sooner?


TU has dropped lates thru 3/2014. Your 4/14 late should drop next month. Of course, worst case scenario would be April, but highly unlikely. It has nothing to do with which month you paid it off.

 

Each bureau drops lates differently.

 

EX drops entire strings of lates, which is very generous, but misleading as to what the other 2 bureaus do.

 

EQ does it's own thing. Sometines very early, sometimes right on the dot.

 

A 120d late hurts the entire 7 years and can definitely cause a 50 point difference.


You were right. Thank you! It dropped today!

Message 35 of 36
Anonymous
Not applicable

Re: Why Oh Why Does Transunion Lag so Far Behind? And When Will It Improve?

Sweet.  Did you realize any sort of score gain?

Message 36 of 36
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