Quote:
Originally posted by picantel
I just had this very same discussion with TU yesterday. They have no status of lates written on my TU report under and old paid settled cc. When I pulled my eloan report which is based on TU it said within the last 2 years I have been 90+ days late 12 times. However, the ONLY negative I have is the cc and it was settled in 1997. She insisted they do not do a status for a settled cc yet it shows up on eloan and has driven my eloan score into the pits.
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Your eloan score only is based on the info in your TU report. If you read everything on eloan when pulling your report, it clearly states that the credit report will be from Equifax.
Please note: Your credit score was based on a TransUnion credit report, whereas this free report is from Equifax. Although these reports are usually similar, there are often differences. Therefore, you may not see items described in your credit score analysis on this report. To order a TransUnion report for a fee, contact them directly.