I wonder if TU is opening itself up to some legal repercussions.

tuffghost said:...a data point for myself, when I pulled my report today through Keybank My Privacy Matters, my TU inquirys were still at 0. I bumped off about 5 TU's a few months ago.

I agree with many others who aren't too concerned about this since it is TU. Most of my creditors never pull TU, my main concern is my 22 EQ inquirys some members here remind me of how ants respond when their home has been destroyed by a 4 year old.... run run run panic panic panic.... the rolling strategy will now have more mass appeal...

btw... I had 4 inq from this year reappear on my 7/2 reports from AMEXCS, NCIDProtect AND TrueCredit.

Yesterday I had 1 TransUnion . Today I have 6 TransUnion.

I did have on Apr-2008 inqury re-appear today on AMEX-CS.
However, 2 of past inquries dated with March-2008 do not show up.

Guess I'll have to remove my red. My inquiries showed back up.

I don't really care though. Even when doing AORs I haven't been denied for 'too many inquiries'. I donly encountered this when I started building my credit. Once your file is established, I don't think their impact is as severe, aside from the score drop.

No inquiry changes for me on TU thus far. Still showing just 1. Recently completed bumpage of 8 or so inquiries from recent mini AOR.

I'll keep my eye on this thread to see if bumpage on TU is indeed finished. If so, TU has made things very simple regarding my monthly 14.95 donation...

Just pulled my my True Credit report, and I'm still showing 0 TU inquirys and 22 EQ.

I did see mention on CreditBoards that those who are getting their inquirys back are also showing choppage of their soft inquirys on their full Transunion reports! This makes me wonder, is this how TU "fixed" the problem, through this choppage. I don't have access to my TU report but I pulled my full EQ report using CWG this morning and I still show all my soft hits, including those from TruCredit and PrivacyMatters, now up to 137 softs.

The thing that confuses me is that "Transunion" is both a provider of the credit reporting services TruCredit, PrivacyMatters, etc. but TU is also one of the CRAs itself. And just as it is possible to pull all 3 credit bureaus using one Transunion product, it is also possible to view a Transunion report using a non-TU product such as Credit Secure.

OP said Within the next week, all appropriate hard inquiries that have been inadvertently bumped off of any report pulled through one of TransUnion's websites within the last two years will be placed back on the credit report.
My question is what about inquirys that have been bumped through a non-Transunion website? It seems to me that if the inquiry data never actually disappeared, that TU always had it in their files, then the problem needs to be fixed at the CRA's end, to ensure that all of the data is sent out regardless of which reporting software provider requests it?

jdmetz said:alchemize said:I wonder if TU is opening itself up to some legal repercussions.

Maybe from lenders who would not have given people with 20 inqs (which they can see now but couldn't earlier) a credit line. I don't see how any consumer would have a successful case against them.I guess the scenario could be as follows...

- I, innocent naive consumer, applied for a bunch of credit cards all at the same time and received them.
- I, innocent naive consumer, subscribed to lots of credit monitoring, because I just am a sucker for their sales pitches. So I used those services, a lot.
- Transunion, big bad evil credit corporation, had flaws in its system that led me to believe I didn't have inquiries anymore. Then they restored a bunch of inquiries without any notification to myself, through no fault of my own and ruined my credit costing me millions in mental anguish.

Hey, if you can convince a jury that McD's coffee is too hot...why not this?

Very unlikely I know. Really it's just another example of the crap service TU provides - they are the top turd in the toilet that the credit agencies float in

Hey, if you can convince a jury that McD's coffee is too hot...why not this?

Are there 3rd degree burns over 27% of the plaintiff's body like that nice old lady suffered from that coffee?

Man, McDonald's has some master spin doctors, to convince so many that the case was frivolous when their behavior was callous, unnecessary, and completely deserving of a judgement against them. Did you know all that poor old lady wanted from them in the beginning was her medical bills paid? No, that would admit liability, can't do the right thing.

dolmar said:For all you that are so mad about this thank your stars you did not listen to Win333 now. Just image how many inquiries he got now showing on his credit report as he was doing 20-30-40 credit cards apps every couple of months. Wonder why he has been so quite lately. Just image the kinda of adverse action he is going to get.

30-40-50 closed accounts over the next couple of months. Talk about a credit death spiral.

Don't you sound jealous. Only a few issuers care about excessive inquiries after a card is opened. And do you know the adverse action if they do? All they do is close the account. Big woop! Maybe some will lower the limits.. again, big woop!