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Big 3 credit bureau TransUnion is asked: What is the minimum number of days late before an account is rated past due, and it affects a credit score?
| By Greg Fisher
TransUnion's biggest problem: Wishing that everything will eventually just go away.
In February of 2013, the consumer reporting agency, who operates nationwide in the U.S., wrote, "A history of late payments – even by a few days – can potentially harm your credit score."
That statement in a press release remains intact, even after an email to the CRA questioning its logic: TransUnion's own credit report key does not even have a rating for anything under 30 days past due.
That means a whole month, not weeks, and certainly not days. And TU is not the only major player not making sense. But, FICO Friday is not until tomorrow, and the anticipation is palpable: That could be the day it finally comes to terms with its similar statement.
At the bottom of the press release is a paragraph, "About TransUnion," that begins, "TransUnion Interactive, Inc. is a consumer subsidiary of TransUnion."
Following that, in "For More Information;," is the name John Branham, a telephone number, and the words "Email Contact" which link to a form, not an email address.
Want buzz in today's environment? The latest rage is the listicle. People want to see if their city is in the top 10 (Hello, San Jose!), or bottom 10 (Sorry, Memphis.).
A woman named Audrey O'Dell is not mentioned.
Subsequently, TransUnion provided an email address. At its behest, another email was sent.
From: Greg Fisher [mailto:greg@creditscoring.com] Sent: Wednesday, November 05, 2014 1:52 AM To: socialmedia@transunion.com Subject: CANADA, credit score, employers
See https://twitter.com/TransUnion/status/530053381881360384.
In Canada, do you provide credit scores for employment purposes, or not?
[If you don't use the same email address to reply from, please watch for a spam filter email.]
-- Greg Fisher The Credit Scoring Site creditscoring.com PO Box 342 Dayton, Ohio 45409-0342 937-681-3224
It is TransUnion Thursday, again. But the Chicago-based consumer reporting company may not even know it.
This is, really, not all that difficult. Simple questions-- simple answers. In writing. While the world is watching.
Perhaps: an incentive:
From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Thursday, November 06, 2014 1:18 PM
To: John Branham, public relations and social media manager, TransUnion Interactive, TransUnion; John Branham, public relations and social media manager, TransUnion Interactive, TransUnion; socialmedia@transunion.com
Subject: RE: 30, 30, @AskTransUnionLest someone else take it, I registered @AskTransUnion for you.
Please reply so that I can give you the password. I want to be sure that my messages are not going into a black hole.
--
Also, see
"Social media interaction with credit bureau TransUnion"
"TransUnion on credit scores and the myth about closing accounts"
"TransUnion advice on how closing accounts affects credit score"