Something going on at TU

[beekrock]

1355695084[/url]' post='4781086']

time to sell my stock in companies that sell credit monitoring services...

 

Forget that. We should be suing these credit monitoring companies for selling us false information!

[hegemony]

1355695084[/url]' post='4781086']

time to sell my stock in companies that sell credit monitoring services...

 

Forget that. We should be suing these credit monitoring companies for selling us false information!

what false information? they simply reformat the data they receive from the CRAs. If TU gives them incorrect/incomplete data then TU would seem to be the problem. maybe they just fixed the glitch?

 

[deadbishop]

I bumped my inquires to zero back in November and in December added 3 more with pulls. On ck and transunion.com shows 3 , I pulled my annual credit report 3 days ago and shows 12. I called transunion interactive cause I have membership and they said I only have 3 and the rest are soft. Called tu dispute and they said I have 12.

 

Back and forth I called and both places said the other is wrong. Then got a supperviser from transunion interactive on the phone and swears I only have 3 then puts me on hold comes back and says I have a duplicate file and sees 2 files with my ss number, he tells me to call transunion back and have them delete one of them. So I call them and get transferd to higher dept. finally an American person. She says transunion interactive is wrong and don't have a duplicate file she only sees one file. She said she gonna report my problem to tech team.

After looking deeper and finding this thread I see its something to do with the enriched report from transunion.

 

My question is did anyone confirm if creditors see the enriched report or the one that the monitoring sites see.

A side note: at the top of the enriched report it says this report is enriched so you and your creditors can see a much clearer picture of your credit report and how you manage your credit.

 

So I think they do see the enriched witch means they see all my bumped inq.

[deadbishop]

Looking for advice:

Is it worth to b* anymore with transunion using smart credit?

[deadbishop]

Bump

[BDK]

TU "Enhanced Report" - 13 B* inqs

 

PLUS

 

1 four-month old Sallie-Mae MC

 

PLUS

 

1 new Barclay's Priceline app = APPROVED 5 DIGIT CL and no mention of inqs by UW

 

YMMV

[EnC_Plus3]

Hubby and I recently did a mortgage app. When I went through all the info with the broker I asked how many inq's were on each report...trying to see if TU bumps were truly bumped. Both of our TU's only had the pull he had just done. When I look at hubby's TU backdoor report there are 18 inq's, so my assumption is that TU is on their way to fixing things, but currently B* is still effective. They happen to be 'holding onto' the hards...probably for future re-insertion.

 

To answer the question, from my point of view, about whether it is still worth b*ing on TU...it depends on your situation. If you're looking to app spree or have a reason that you need 0 inq's then sure it's still worth it. I'd just remain aware that reinsertion is probable and when that happens you'll either need to do the b* all over again or just deal with those inq's.

 

Also, I'd suggest not calling TU to find out the problem. The 'problem' is that they have miscommunication between departments, among other things. Bringing to their attention that you should have 12 inq's but only have 3 showing may prompt them to get their act together sooner. I'm happy with their miscommunication and still having the ability to B*...personally

Edited March 12, 2013 by EnC_Plus3

[Hitch]

Here is what I can confirmed:

- INQ's are on the full report (mailed report & online print)

- TU98 score increased

- TU08 score increased

 

TU04 score is unconfirmed, but going by what EnC_Plus3 provided, they should increase as well.

[ronsetoe]

Also, I'd suggest not calling TU to find out the problem. The 'problem'

is that they have miscommunication between departments, among other

things. Bringing to their attention that you should have 12 inq's but

only have 3 showing may prompt them to get their act together sooner.

I'm happy with their miscommunication and still having the ability to

B*...personally

+1 on that

[deadbishop]

Hubby and I recently did a mortgage app. When I went through all the info with the broker I asked how many inq's were on each report...trying to see if TU bumps were truly bumped. Both of our TU's only had the pull he had just done. When I look at hubby's TU backdoor report there are 18 inq's, so my assumption is that TU is on their way to fixing things, but currently B* is still effective. They happen to be 'holding onto' the hards...probably for future re-insertion.

 

To answer the question, from my point of view, about whether it is still worth b*ing on TU...it depends on your situation. If you're looking to app spree or have a reason that you need 0 inq's then sure it's still worth it. I'd just remain aware that reinsertion is probable and when that happens you'll either need to do the b* all over again or just deal with those inq's.

 

Also, I'd suggest not calling TU to find out the problem. The 'problem' is that they have miscommunication between departments, among other things. Bringing to their attention that you should have 12 inq's but only have 3 showing may prompt them to get their act together sooner. I'm happy with their miscommunication and still having the ability to B*...personally

Very true! Thanks for the advice. Now that I think about it, kinda dumb on my part.

[pakman]

I originally posted below in a wrong thread. Here it is. I hope it's more relevanat here.

As others have reported, there does seem to be two distinct versions of TU CRs. (At least for me). When I pull from the TU directly (free annual report, paid rerpot, or one resulting from disupte), they seemed to have all my previously bumped inquiries. When I pull from myFICO, I don't see those inquiries.

Furthermore, In my case, I found other differences between the two reports. 1. some remarks (descriptions) were missing on TU (enhanced) reports. 2. lates info on DW's only negative accounts were different. myFico was missing one of the 30 day lates.

I guess the ultimate question is when creditors such as mortgage lenders, pull, which version of the reports they would get.

[BDK]

 

I originally posted below in a wrong thread. Here it is. I hope it's more relevanat here.

As others have reported, there does seem to be two distinct versions of TU CRs. (At least for me). When I pull from the TU directly (free annual report, paid rerpot, or one resulting from disupte), they seemed to have all my previously bumped inquiries. When I pull from myFICO, I don't see those inquiries.

Furthermore, In my case, I found other differences between the two reports. 1. some remarks (descriptions) were missing on TU (enhanced) reports. 2. lates info on DW's only negative accounts were different. myFico was missing one of the 30 day lates.

I guess the ultimate question is when creditors such as mortgage lenders, pull, which version of the reports they would get.

That IS a great question, and one that I have been dying to find the answer to!!! Here's my latest take:

 

• Of course we already know that 3rd-party pullers are all showing zero.
• My "Enhanced" BD report shows 12 inqs ( 6 of which are in the last 365 days)
• I recently have had a mortgage pull done by CBC/Innovis, which I understand to be a TU-based trimerge report. The addresses and employment history across the three reports are somewhat differing for me. The address and employment history match PERFECTLY with what is only shown on my TU report. The inqs on the trimerge are listed as only from "the last 365 days", and the only TU inq is the one from the CBC/Innovis pull. NO OTHER INQS ARE SHOWN!

This pretty much confirms for me what I've been trying to say all along - that the enhanced reports are an illusion, a smokeshow and are not the reality of what creditors see (or 3rd-party daily pullers either). How or why they exist remains a mystery for now...

 

 

 

 

I originally posted below in a wrong thread. Here it is. I hope it's more relevanat here.

As others have reported, there does seem to be two distinct versions of TU CRs. (At least for me). When I pull from the TU directly (free annual report, paid rerpot, or one resulting from disupte), they seemed to have all my previously bumped inquiries. When I pull from myFICO, I don't see those inquiries.

Furthermore, In my case, I found other differences between the two reports. 1. some remarks (descriptions) were missing on TU (enhanced) reports. 2. lates info on DW's only negative accounts were different. myFico was missing one of the 30 day lates.

I guess the ultimate question is when creditors such as mortgage lenders, pull, which version of the reports they would get.

http://creditboards.com/forums/index.php?showtopic=508760