- Green Member
- Posts: 4
- Joined: Tue Aug 30, 2011 3:58 pm
- Location: Virginia
I recently used one of those free credit score websites for a 7 free seven day trial to see what my credit score(s) were so that I could see what cards I could apply for. I currently have a Capital One platinum card that I have had for over two years. They started me out with a $500 credit limit and have slowly raised it to $1250. All of my payments have been on time and I have usually paid off my bill every month in full.
In April of this year Capital One offered me a Rewards card and I have been using that as responsibly as my platinum card. Anyway, when I checked my credit scores I was shocked to see that I had a 752 Transunion score, but significantly lower (672 and 682) on my Equifax and Experian scores.
I looked deeper into it and found that my Transunion score listed both of my Capital One accounts that I have open, and showed that I have paid on time every month, but my Equifax and Transunion scores had no payment information on either of my cards.
In other words, if you are familiar with freescore.com, my Transunion payment history read "OK, OK, OK, OK, OK..." each month; whereas it was just blank for experian and equifax.
Does anyone have any idea what may be causing this? I called Capital One and they told me that they of course report to all three agencies so it isn't anything on their end. Also, what can I do to fix this?
Thanks for any assistance in solving my issue!