TU Fico score is still at 804 today- UPDATE [fico score] [trans union]

admin — Sun, 01 Jan 2012 05:20:00 +0000

I know I should not spend so much $ on these scores, but I'm only buying the Trans Union, because I try to see if it is I split. I have my mail today, and there is a new report from the Technical University and there is only one report in the envelope, so I do not think it is divided. I do not always get even. I'll wait another 30 days and then see what happens. I wanted only to update them all.

Reply: >>…to clarify: I had opened the mail earlier today and only saw one report from TU, the newer one. Then as I was rifling thru the mail later today I had yet another envelope from them, which was the older TU report with the baddies, which told me I have a split file. I need to figure out how to rectify it fast! Thanks for your posts! I didn't order my score from the TU site, I got the high score from myfico.com. I know it's a split because on the 1st, the score was 646, and then on the 6th it was 804 and still is. I am so confused!…<<

gees Heidi – I'm sorry to see that. What do you think caused your TU CR to split? too many Bs? or what? I'm myself trying to avoid split CR files too, I heard that EX CR is hard to split Thanks. I think what may have happened was the disputing did it, or it was my pulling privacy guard daily back in 2002. I am really mad and don't know how to fix it.

Reply:
I know I should not be spending so much $ on these scores
I think we've all spent too much on our reports at times…
Holy smokes I was into it deep about 18 months ago, hundreds of dollars, didn't have a clue about daily pulls at that point.

Reply:>>…to clarify: I had opened the mail earlier today and only saw one report from TU, the newer one. Then as I was rifling thru the mail later today I had yet another envelope from them, which was the older TU report with the baddies, which told me I have a split file. I need to figure out how to rectify it fast! Thanks for your posts! I didn't order my score from the TU site, I got the high score from myfico.com. I know it's a split because on the 1st, the score was 646, and then on the 6th it was 804 and still is. I am so confused!…<<

gees Heidi – I'm sorry to see that. What do you think caused your TU CR to split? too many Bs? or what? I'm myself trying to avoid split CR files too, I heard that EX CR is hard to split

Reply: to clarify: I had opened the mail earlier today and only saw one report from TU, the newer one. Then as I was rifling thru the mail later today I had yet another envelope from them, which was the older TU report with the baddies, which told me I have a split file. I need to figure out how to rectify it fast! Thanks for your posts! I didn't order my score from the TU site, I got the high score from myfico.com. I know it's a split because on the 1st, the score was 646, and then on the 6th it was 804 and still is. I am so confused!
Ew! What a mess! I have read some not-so-nice stories about trying to get a split file unspilt. Sometimes you can lose good TLs. That's what I have heard anyway.
I hope you get this resolved soon and painlessly!

Reply:to clarify: I had opened the mail earlier today and only saw one report from TU, the newer one. Then as I was rifling thru the mail later today I had yet another envelope from them, which was the older TU report with the baddies, which told me I have a split file. I need to figure out how to rectify it fast! Thanks for your posts! I didn't order my score from the TU site, I got the high score from myfico.com. I know it's a split because on the 1st, the score was 646, and then on the 6th it was 804 and still is. I am so confused!

Reply:I don't know if you have the TU FICO but you can get it throught them
https://www.transunioncs.com

Reply:AFAIK, TU only gives you FAKOs (when ordered from their site). This may not be a true reflection of what your FICO score is. I was also given the impression that the only way to tell a split file is by ordering a hard copy and that you couldn't tell by the electronic version.
But I am also confused by your posts here. In an earlier post today you said this was a confirmed split file. Now you say it might not be?
Boy, I sure hope for your sake it isn't! It would be nice to have actual scores that high, wouldn't it?

Reply: Why do you think it should not be 804 ?
I was told by posters that it might be a split file. I find it hard to believe that in one day, 4 baddies could have just disappeared. It was confirmed today when I got two copies of my TU report in the mail

Reply:I've seen your messages from yesterday and today about the possibility of a split report. I really hope your's isn't split, but I also wanted to let you know that I KNOW I have a split TU file and when I received my report in the mail last week, I only got the good/BK free half. So in my experience it IS possible to have a split file and not get both sections in the mail. I sent letters to TU asking them to fix the split but that did nothing, so I was on the phone yesterday trying to convince them I had a problem. Good luck really figuring out what is going on with your file.

Reply: I know I should not be spending so much $ on these scores
I think we've all spent too much on our reports at times…

Reply: I know I should not be spending so much $ on these scores, but I am only buying the trans union because I am trying to see if it's split. I got my mail today and there is a new report from TU and there is only 1 report in the envelope, so I don't think it's split. I still don't get it. I am going to wait it out another 30 days and then see what happens. Just wanted to update everyone.
I'd order TU CR by mail

Reply:Why do you think it should not be 804 ?

disputted account went to satisfactory but showed up adverse again [trans union] [cra]

admin — Tue, 23 Aug 2011 07:40:00 +0000

I disputed an account with Trans Union, which paid as agreed, and 90 days was given too late with my negative accounts. After completing its investigation TransUnion with this account, they sent me an updated credit report this account satifactory moving and removing the 90 days late. This was on 1-11-08. Well now that invoice is returned to negative with the 90 days late again shows. This can be done from this account will be challenged with another CRA must. Anything I can do about it or is it too late because another CRA reviewed the information as correct? In not sure that the 90 days was wrong to begin too late.

Reply:Update:
Just got my second dispute letter back from TU and they fixed it again and brought it back to satisfactory! Thanks everyone for your help.

Reply:Yea, I should have more pateince, For my other 3 accounts I have been using letters. This should be easy because how can an account show 90 days late with $0 . It would have to be atleast $1 to show late. I think transunion is going to move it back to satisfactory once I disput it again. The rep from TU said after their original investigation closed on this account, the OC might have reported an update and thats why it went back to adverse.

Reply:Disputing on the phone is as bad as disputing online.
If you have no paper trail from your disputes, you have no leverage with the OC.
Don't look for shortcuts or faster ways of clearing your CRs. Everything in writing, CMRRR.

Reply:I just checked this account and its showing Maximum delinquency of 90 or more days occurred in 09/2002 for $0 . How can there be a delinquency of $0. So I re-disputed this account with Transunion on the phone today. She stated the account is showing no adverse information but it being reported as adverse. The pay status still shows Paid or Paying as agreed.

Reply:what about the end of investigation email and website page that shows the item was deleted with the date showing? Isnt this good enough?

Reply:oh man, i wish i would have researched this part. i too did all of mine today online (3 agencies). oh well, i could always do it again CMRRR, right?

Reply:I disputed online. wow I didnt know that

Reply:Did you dispute in writing CMRRR or online?
One of the dangers of online disputes is that whatever was "corrected" can come back and you have no PROOF that it was deleted.

Credit Cards Point » trans union

TU Fico score is still at 804 today- UPDATE [fico score] [trans union]

disputted account went to satisfactory but showed up adverse again [trans union] [cra]