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

ntx
Regular Contributor

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

I still have 2 accounts ( CC + retail installment ) that were IIB 7 in March, 2014, that are still reporting on TU. Smiley Sad 

 

Those 2 accounts are no longer reporting on EX and EQ, and all other IIB accounts were recently removed from all 3 bureaus. Smiley Happy

 

My TU8 score is about 30 points lower than EX and EQ. I'll start writing letters in early April if they haven't dropped off by then. 

 

 

 

 

 

Message 11 of 36
BrutalBodyShots
Super Contributor

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

OP, I don't believe that your gripe is with TU at all.  Just because the other 2B dropped your major delinquency early isn't a knock against TU, as TU is within the 7 year stretch that reporting the delinquency is fair game.  If it was > 7 years your gripe would be with TU, but that's not the case.  I suppose it's a glass half full / glass half empty argument, but I'd say be happy that the other 2B dropped it early and not upset that TU didn't also drop it early. 

 

As far as the inquiries, those have nothing of course to do with TU but rather the lenders that decided to pull TU.  TU can't be faulted for that either. 

Message 12 of 36
Repairman
Established Contributor

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


@BrutalBodyShots wrote:

OP, I don't believe that your gripe is with TU at all.  Just because the other 2B dropped your major delinquency early isn't a knock against TU, as TU is within the 7 year stretch that reporting the delinquency is fair game.  If it was > 7 years your gripe would be with TU, but that's not the case.  I suppose it's a glass half full / glass half empty argument, but I'd say be happy that the other 2B dropped it early and not upset that TU didn't also drop it early. 

 

As far as the inquiries, those have nothing of course to do with TU but rather the lenders that decided to pull TU.  TU can't be faulted for that either. 


I actually don't have a gripe with anyone or anything. I asked a question as to why TU handles it differently from the others, trying to understand their process and what I can expect and when I can expect it. Also, I was curious as to what to expect regarding the inquiries. These questions stem from my TU score lagging so far behind the others. I actually got some very informative answers to my questions.

Message 13 of 36
LaHossBoss
Valued Contributor

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


@ntx wrote:

I still have 2 accounts ( CC + retail installment ) that were IIB 7 in March, 2014, that are still reporting on TU. Smiley Sad 

 

Those 2 accounts are no longer reporting on EX and EQ, and all other IIB accounts were recently removed from all 3 bureaus. Smiley Happy

 

My TU8 score is about 30 points lower than EX and EQ. I'll start writing letters in early April if they haven't dropped off by then. 

 

 

 

 

 


TU has a 6 month EE (early exclusion) offering. You could request for them to be removed already, if they are entirely derog accounts (not just a late). I would pull the TU credit report from annual credit report (free to do weekly thru 4/2021 - no scores) and see what the "estimated date of removal" is. If you are within 6 months of that date, you can request EE.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 2•21 | EQ [F8 640] [F9 645] [EQ5 678] [VS3 651] | TU [F8 620] [F9 620] [TU4 683] [VS3 605] | EX [F8 612] [F9 651] [EX2 628] [VS3 589]
Goal Score: 670


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 2•21 | EQ [F8 665] [F9 659] [EQ5 657] [VS3 655] | TU [F8 676] [F9 659] [TU4 644] [VS3 674] [VS4 658] | EX [F8 659] [F9 664] [EX2 640] [VS3 680]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge



Message 14 of 36
BrutalBodyShots
Super Contributor

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

I'm glad you got informative answers to your questions and that you don't have a gripe with TU.

Message 15 of 36
ntx
Regular Contributor

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

Thank you @LaHossBoss  I will look into that. I didn't know estimated date of removal was available. Smiley Happy

Message 16 of 36
Repairman
Established Contributor

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


@LaHossBoss wrote:

@ntx wrote:

I still have 2 accounts ( CC + retail installment ) that were IIB 7 in March, 2014, that are still reporting on TU. Smiley Sad 

 

Those 2 accounts are no longer reporting on EX and EQ, and all other IIB accounts were recently removed from all 3 bureaus. Smiley Happy

 

My TU8 score is about 30 points lower than EX and EQ. I'll start writing letters in early April if they haven't dropped off by then. 

 

 

 

 

 


TU has a 6 month EE (early exclusion) offering. You could request for them to be removed already, if they are entirely derog accounts (not just a late). I would pull the TU credit report from annual credit report (free to do weekly thru 4/2021 - no scores) and see what the "estimated date of removal" is. If you are within 6 months of that date, you can request EE.


I never knew the credit report shows estimated date of removal. I never noticed that before. Where exactly does it say that?

Message 17 of 36
Repairman
Established Contributor

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


@LaHossBoss wrote:

@ntx wrote:

I still have 2 accounts ( CC + retail installment ) that were IIB 7 in March, 2014, that are still reporting on TU. Smiley Sad 

 

Those 2 accounts are no longer reporting on EX and EQ, and all other IIB accounts were recently removed from all 3 bureaus. Smiley Happy

 

My TU8 score is about 30 points lower than EX and EQ. I'll start writing letters in early April if they haven't dropped off by then. 

 

 

 

 

 


TU has a 6 month EE (early exclusion) offering. You could request for them to be removed already, if they are entirely derog accounts (not just a late). I would pull the TU credit report from annual credit report (free to do weekly thru 4/2021 - no scores) and see what the "estimated date of removal" is. If you are within 6 months of that date, you can request EE.


And what's the best way to request EE? By mail? Or phone? Or email? Thanks.

Message 18 of 36
ntx
Regular Contributor

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

I just requested online ( annualcreditreport.com ). EX wanted me to write them for my report for some reason, but EQ and TU both provided my report online and allowed me to download it also. I only cared about what TU showed at this point anyway. 

 

There's an "Adverse Accounts" section first, and sure enough, it's listed right there:

 

Screen Shot 2021-01-19 at 8.42.36 PM.png

 

Thanks again for the suggestion @LaHossBoss !

Message 19 of 36
LaHossBoss
Valued Contributor

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

@ntx it should be off probably feb 1st!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 2•21 | EQ [F8 640] [F9 645] [EQ5 678] [VS3 651] | TU [F8 620] [F9 620] [TU4 683] [VS3 605] | EX [F8 612] [F9 651] [EX2 628] [VS3 589]
Goal Score: 670


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 2•21 | EQ [F8 665] [F9 659] [EQ5 657] [VS3 655] | TU [F8 676] [F9 659] [TU4 644] [VS3 674] [VS4 658] | EX [F8 659] [F9 664] [EX2 640] [VS3 680]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge



Message 20 of 36
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