Imagin my Surprise!

[GettingBetter]

After all my happiness yesterday, todays surprise comes as a slap back to reality. Not being able to wait until my final report from Equifax comes back, I went to Transunion and purchased their FICO Standard Transunion report to see if there had been any improvement to my FICO score. Imagin my surprise when not only had my score gone down, but all of the disputed items that have been removed or changed on the report I received yesterday (in the mail) are still listed on the web report and the collections are driving my score into the mid 500's. Not only that, but all of the collections are now reporting a date of June 2008, as the last activity! The site also says if I want to ask a question about this I need to have a copy of my most recent Equifax report. Why would Transunion need that? Does anyone have any idea what is going on and where I go from here?

[chane]

Originally Posted by GettingBetter

After all my happiness yesterday, todays surprise comes as a slap back to reality. Not being able to wait until my final report from Equifax comes back, I went to Transunion and purchased their FICO Standard Transunion report to see if there had been any improvement to my FICO score. Imagin my surprise when not only had my score gone down, but all of the disputed items that have been removed or changed on the report I received yesterday (in the mail) are still listed on the web report and the collections are driving my score into the mid 500's. Not only that, but all of the collections are now reporting a date of June 2008, as the last activity! The site also says if I want to ask a question about this I need to have a copy of my most recent Equifax report. Why would Transunion need that? Does anyone have any idea what is going on and where I go from here?

You need to give the CRAs time to report to FICO. Sometimes it takes 30 days for your payments to report. I don't see why it would be any different for removals.

[GettingBetter]

Okay I will try to be a little more patient with the process. Thanks for the advice.