Complaint / Review
TransUnion Credit Reporting Agency
Credit score keeps dropping despite perfect payments and low debt

I'm finding that TransUnion's credit scoring models that calculate individual's credit scores are adversely flawed.

My credit is perfect, my bills paid on time. And my debt to income ratio is under 20%.

Yet, no matter what I do my credit score keeps dropping.

From the mid 700's to the mid 600's.

I have reduced my available credit (i.e. credit limits on CC cards) I have closed credit card accounts.

Yet, they (TransUnion) continue to lower my credit scores.

I think they are in the business to create adverse information on a creditor so that the credit providers they sell information too can charge you higher interest rates.

I feel that a class action suit is probably in order. So that these issues can be addressed and corrected. I feel the calculations they used are severely flawed.

And they (TransUnion) should be held accountable!

Thank you. Other people must be going through this also.