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  1. I kind of have two issues. I recently bought a truck from a GMC dealership, we came in using my Credit Union to finance but the dealership was handling all of the financing stuff because they use my credit union already. Well today I just got a letter from another credit union that fir some reason GMC ran my info through for a loan although we already said we knew we would be approved though our we credit union so not I have another hard inquiry on my credit report. That's the first issue, minor but still an issue because they weren't supposed to nor did they ask us if we wanted to try another financier. The main issue is that one the letter from the other credit union we saw our credit score and the listed key factors that adversely affected your credit score. The first one is "Serious Delinquency." Which is my problem. We have been actively monitoring our credit regularly and we have no outstanding balances on anything and we pay our balances in full each month. Also the last credit report I got from Trans Union about 2.5-3 months ago showed no negative marks on my credit score. Using other credit apps, I also have a 100% payment history. So there is no Serious Delinquency that shows on the report Trans Union gives to me, but somehow there was one on the report they gave this credit union. Also we have no late payments since the last report that I received. I have no collections or any supposed negative marks on any of my credit reports from any of the credit bureaus. Where could this serious Delinquency be coming from?

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