Negative accounts showing on TU backdoor, nowhere else.

[melikey]

The IIB accounts that I thought were gone (mentioned in this thread) still
show on my TU backdoor reports. However, the accounts don't show on MPM,
USAA, or MyFICO (in fact I got an 18 point bump with them off). I only
disputed two of them and one came back verified and shows on all
reports, the second only shows on backdoor, as well as 6 others (never
disputed). I do not have a current dispute investigation going. There is
NO suppression notice on the accounts such as the notice on a very old
positive Crown Jewelry account, "The following item is suppressed pending credit grantor update"

 

Anyone know why these accounts don't show?

[sosabe77]

I've dealt with this before. I noticed the same thing when I some old accounts reappeared on CK. I went and pulled a TU backdoor report and the accounts were on there. I disputed them online as obsolete and they were literally deleted within hours.

[melikey]

I've dealt with this before. I noticed the same thing when I some old accounts reappeared on CK. I went and pulled a TU backdoor report and the accounts were on there. I disputed them online as obsolete and they were literally deleted within hours.

hmmm thanks sosabe... my accounts are IIB's from my 3 year old BK7. I doubt I could dispute them as obsolete. I wonder why the only show up on backdoor?? I don't know what to do with them. As long as creditors can't see them maybe I should leave things be. However, from your experience I should expect them to come back?

Edited April 19, 2013 by melikey

[BDK]

Order a MAILED paper copy of your report. THAT'S what your creditors see.

[melikey]

Order a MAILED paper copy of your report. THAT'S what your creditors see.

will do. Any idea why the accounts would disappear from all online portals?

[BDK]

 

Order a MAILED paper copy of your report. THAT'S what your creditors see.

will do. Any idea why the accounts would disappear from all online portals?

I don't know, and they don't matter anyways.

[melikey]

 

 

Order a MAILED paper copy of your report. THAT'S what your creditors see.

will do. Any idea why the accounts would disappear from all online portals?

I don't know, and they don't matter anyways.

Interesting... If they don't matter why do we even bother discussing our MyFICO TU/EQ, DCU and Wal-Mart FICO scores? If the reports that they are based upon are prone to inaccuracies why do the scores matter??

[melikey]

 

 

 

Order a MAILED paper copy of your report. THAT'S what your creditors see.

will do. Any idea why the accounts would disappear from all online portals?

I don't know, and they don't matter anyways.

Interesting... If they don't matter why do we even bother discussing our MyFICO TU/EQ, DCU and Wal-Mart FICO scores? If the reports that they are based upon are prone to inaccuracies why do the scores matter??

Before anyone mentions that of course reports can be inaccurate... When I say "inaccuracies" I mean as opposed to what the bureau's are actually reporting

[BDK]

 

 

 

Order a MAILED paper copy of your report. THAT'S what your creditors see.

will do. Any idea why the accounts would disappear from all online portals?

I don't know, and they don't matter anyways.

Interesting... If they don't matter why do we even bother discussing our MyFICO TU/EQ, DCU and Wal-Mart FICO scores? If the reports that they are based upon are prone to inaccuracies why do the scores matter??

Sorry, I only read the first two names -

 

However, the accounts don't show on MPM, USAA, or MyFICO

[BDK]

Interesting... If they don't matter why do we even bother discussing our MyFICO TU/EQ, DCU and Wal-Mart FICO scores? If the reports that they are based upon are prone to inaccuracies why do the scores matter??

None of those scores really mattered that much until after my reports were clean. For me, I just needed to focus on removing every single trace of negatives. Then, my FICO's really meant something.

 

I guess I'm kinda confused about your situation..

[melikey]

Yeah I don't understand it also. I ordered a paper report; maybe that will shed some light. (if they send it. I pulled my back door report online report today so I don't know if they'll mail me one for free.

 

Is what you see on MyFICO the same report that lenders see?

[BDK]

Yeah I don't understand it also. I ordered a paper report; maybe that will shed some light. (if they send it. I pulled my back door report online report today so I don't know if they'll mail me one for free.

 

Is what you see on MyFICO the same report that lenders see?

Not necessarily.

[melikey]

 

Yeah I don't understand it also. I ordered a paper report; maybe that will shed some light. (if they send it. I pulled my back door report online report today so I don't know if they'll mail me one for free.

 

Is what you see on MyFICO the same report that lenders see?

Not necessarily.

I'd like to test this. I need a creditor that pulls only TU and uses FICO scoring. I can tell what's reported by the score. Do you know of such a creditor? I am going to search also.

[BDK]

 

 

Yeah I don't understand it also. I ordered a paper report; maybe that will shed some light. (if they send it. I pulled my back door report online report today so I don't know if they'll mail me one for free.

 

Is what you see on MyFICO the same report that lenders see?

Not necessarily.

I'd like to test this. I need a creditor that pulls only TU and uses FICO scoring. I can tell what's reported by the score. Do you know of such a creditor? I am going to search also.

Barclays is the only one I know of..

[melikey]

Thanks. I know they pull TU but I don't remember if they'll give FICO score. I'll pull up an old thread and ask to be sure before pulling the trigger.

 

Thanks again BDK.

[hrguy]

Order a MAILED paper copy of your report. THAT'S what your creditors see.

This is incorrect info - the mailed copy will be the same enhanced copy you view on the backdoor.

 

Enhanced reports are new within the last 6 months, and they are only shown to YOU - you will see accounts/inquiries that are not on your monitoring services - creditors DO NOT see what you saw on the backdoor.

 

Whatever you see on MPM/other Credit Monitoring services IS what your creditors see.

[BDK]

 

Order a MAILED paper copy of your report. THAT'S what your creditors see.

This is incorrect info - the mailed copy will be the same enhanced copy you view on the backdoor. DUH

 

Enhanced reports are new within the last 6 months, and they are only shown to YOU - you will see accounts/inquiries that are not on your monitoring services - creditors DO NOT see what you saw on the backdoor.

 

Whatever you see on MPM/other Credit Monitoring services IS what your creditors see.

AFAIK, that ONLY applies to inquiries. But you can believe whatever you want to. It's not like I've never done any research into the matter.

 

Excluding suppressed accounts, please provide substance that creditors cannot see all of the same accounts that are on 'enhanced' reports - mailed or otherwise.

[hrguy]

 

 

Order a MAILED paper copy of your report. THAT'S what your creditors see.

This is incorrect info - the mailed copy will be the same enhanced copy you view on the backdoor. DUH

 

Enhanced reports are new within the last 6 months, and they are only shown to YOU - you will see accounts/inquiries that are not on your monitoring services - creditors DO NOT see what you saw on the backdoor.

 

Whatever you see on MPM/other Credit Monitoring services IS what your creditors see.

AFAIK, that ONLY applies to inquiries. But you can believe whatever you want to. It's not like I've never done any research into the matter.

 

Excluding suppressed accounts, please provide substance that creditors cannot see all of the same accounts that are on 'enhanced' reports - mailed or otherwise.

I can vouch first hand, and there are other threads about mortgage credit reports where what is shown on MPM/CMS services are mimicked - Accounts and all.

Edited April 22, 2013 by hrguy

[melikey]

I'll know for sure once I get my Barclay's decline letter. If their TU98 score is the same as the score that I had on MyFICO on the same day as app that means they saw the same report as MyFICO, MPM, TUT, etc..., not the enhanced report. I'll post an update when I get the letter.

Edited April 22, 2013 by melikey

[melikey]

I got the Barclay decline letter today. The score reported is 689, same as MyFICO which does not show the 6 baddies (my score was 671 when the baddies were reporting). Therefore, lenders see the same report that I see. Woo Hoo!! 6 baddies off my TU report... for now. Maybe something is going on with TU?? I lost another baddie today, Cap1.

 

 

 

 

Order a MAILED paper copy of your report. THAT'S what your creditors see.

This is incorrect info - the mailed copy will be the same enhanced copy you view on the backdoor. DUH

 

Enhanced reports are new within the last 6 months, and they are only shown to YOU - you will see accounts/inquiries that are not on your monitoring services - creditors DO NOT see what you saw on the backdoor.

 

Whatever you see on MPM/other Credit Monitoring services IS what your creditors see.

AFAIK, that ONLY applies to inquiries. But you can believe whatever you want to. It's not like I've never done any research into the matter.

 

Excluding suppressed accounts, please provide substance that creditors cannot see all of the same accounts that are on 'enhanced' reports - mailed or otherwise.

I can vouch first hand, and there are other threads about mortgage credit reports where what is shown on MPM/CMS services are mimicked - Accounts and all.

Yep... I got the Barclay decline letter today. The score reported is 689, same as MyFICO which does not show the 6 baddies (my score was 671 when the baddies were reporting). Therefore, lenders see the same report that I see. Woo Hoo!! 6 baddies off my TU report... for now. Maybe something is going on with TU and the whole "enhanced" thing?? I lost another baddie today, Cap1. Now I only have the BK reporting and one baddie on TU.

Edited April 25, 2013 by melikey

[jmangoalie]

What is a transunion back door report and how do you see it?

[melikey]

What is a transunion back door report and how do you see it?

It's the free annual report that you get from https://www.annualcreditreport.com/cra/index.jsp

[GR8WhiTE]

I got the Barclay decline letter today. The score reported is 689, same as MyFICO which does not show the 6 baddies (my score was 671 when the baddies were reporting). Therefore, lenders see the same report that I see. Woo Hoo!! 6 baddies off my TU report... for now. Maybe something is going on with TU?? I lost another baddie today, Cap1.

 

 

 

 

Order a MAILED paper copy of your report. THAT'S what your creditors see.

This is incorrect info - the mailed copy will be the same enhanced copy you view on the backdoor. DUH

 

Enhanced reports are new within the last 6 months, and they are only shown to YOU - you will see accounts/inquiries that are not on your monitoring services - creditors DO NOT see what you saw on the backdoor.

 

Whatever you see on MPM/other Credit Monitoring services IS what your creditors see.

AFAIK, that ONLY applies to inquiries. But you can believe whatever you want to. It's not like I've never done any research into the matter.

 

Excluding suppressed accounts, please provide substance that creditors cannot see all of the same accounts that are on 'enhanced' reports - mailed or otherwise.

I can vouch first hand, and there are other threads about mortgage credit reports where what is shown on MPM/CMS services are mimicked - Accounts and all.

Yep... I got the Barclay decline letter today. The score reported is 689, same as MyFICO which does not show the 6 baddies (my score was 671 when the baddies were reporting). Therefore, lenders see the same report that I see. Woo Hoo!! 6 baddies off my TU report... for now. Maybe something is going on with TU and the whole "enhanced" thing?? I lost another baddie today, Cap1. Now I only have the BK reporting and one baddie on TU.

So just to get a little more understanding of B*....let me ask a quick question or two. I understand you need to sign with one of these services that basically keep you under the radar from the CRA's in order to prevent C* (I got that part). But what I don't understand is how do you B* items off? Does it just happen automatically? or do you use that service to dispute them?

[Rebuilding2010]

No disputing. Use that service to 'pull' your report every day, so you're essentially asking for consumer requested inquiries that will, eventually, b off the crditor requestedr ones. Tht's b 101. If you don't know that you don't want to start b. There is a pinned topic on it, start there to learn the basics.

[Rebuilding2010]

Excuse the typos. For some reason I can't edit well when I'm on mobile cuz it ends up cutting off even more letters