Transunion Credit Report

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i oder 3-1 credit report from transunion and it says i have a 601 for experian but i also oder experian single credit report and it says i have a 667, why those that happends? and which one should i believe

Best Answer

use the middle number. all 3 bureaus are going to have different number so most places will use the middle number of the 3.

A judgement was recently deleted from my transunion credit report, will it automatically be deleted from the other two reporting agencies or will I have to dispute this item two more times. Also, I believe a lien was filed on myself because of this judgement, what do I do next.

Best Answer

If it was deleted from that credit report as the result of a dispute letter then no, it will not automatically be deleted from the others. You will have to file a separate dispute with each. They are not connected.

I pulled my most recent TransUnion credit report, and it only shows closed credit card accounts. I have one open account (discover) which I have been using for well over a year now, but it doesn't appear in the report at all. I have made all payments on-time and in-full. Is this normal? Should I ask Discover to report? My credit is good even without discover (no negatives), but it doesn't show any current revolving debt accounts. -->Adam DOH! They print on both sides of the paper. Discover was on the other side. Oops.

Best Answer

This is very unusual, open accounts routinely report to credit agencies. Makes me wonder if they are reporting on the wrong person. If your credit is good I don't think I would worry about it, but you could call them (the credit card company) and just inquire.

Best Answer

Every lender has their own default bureau based on State and Zip code. They might look at Equifax in Oklahoma and Transunion in Texas. There really is no sure fire way to tell.

there were numerous of inquiry place on my credit report. transunion credit agency said "they dont investigate false inquiry". however, the other credit agency did and it was deleted. what can i do about transunion ? are they pulling my leg ?

Best Answer

I currently do mortgages and teach credit repair done legally. You must dispute with TransUnion (can be done on the website) and they under Federal Law must remove within 30 days from the date of their letter sent to the false inquiry if the false inquiry does not respond. This inquiry will not effect your credit rating if the other credit agencies have recognized and deleted. Why? Over 90% of the companies you purchase items, i.e., automobiles, housing, etc. use the credit scores from either Equifax or Experian. Many use what is termed "Fair Issac" which is the Experian score. When purchasing a home, for instance, the middle score of the three reporting agencies is used and the same "rule of thumb" applies.