Credit Resellers & Tri-merged Reports

I am a credit profesional and I have a client which I am helping fix his credit. Now, something very strange happened while I am fixing his credit. You see, I removed a late payment on an auto loan in Transunion, it’s still reporting on the other two bureaus that auto late payment.

Now, when the Mortgage broker pulled his trimerged credit report the auto late payment is still showing on Transunion, how can that be?

The reports that I am pulling are from the Annualcreditreport.com site. Does that have anything to do with this? if any? This is strange since it has never happened to me before in 22 years of practicing credit repair.

Can you give me an idea what is going on??

Thanks,
Evelio

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Hello Evelio,

The mortgage tri-merged report combines the three bureau’s entry into one tradeline.  You won’t necessarily be able to look at the trimerged report and determine that one bureau removed a late payment if it remains on the other two; the payment history is listed as one entry.  The difference would impact the TransUnion score itself, but that could also be counter balanced by the negative affects of the credit inquiries.   

I’ll add to this that the credit reseller’s software may be set to repull from the same batch for a period of thirty-days.  The entry was updated at the bureau level, but the reseller may have reissued an old TU report.  The report itself probably has an invoice amount listed on page one.  Was there a charge for the report?  Is it consistent with the request?

Thanks for the questions and hope this helps.

Paul