MSE Credit Club - Transunion Report Incomplete

ferraris

Does anyone else find that the Transunion reports are far less accurate than the Experian ones used to be?  My Transunion report is missing a major credit card and loan how can a major CRA have such omissions?

400ixl

Because not all financial institutions report to all CRA's They can't show what they don't know.

One of my banks does not report to any CRA's.

cymruchris

As above - it's common for some banks/cards etc. to only report to one or two CRA's and not them all. They choose where they send the data, just as they choose who to get info from when making lending decisions. 

It is a bit of a pain losing access to the Experian data through MSE - but I've ordered my free statutory report a couple of times in recent months. It costs nothing, it's a bit slow, but you get to see all the data.

fatbelly

Transunion is pretty thorough but sometimes it will show things not on Experian, and vice versa