TransUnion Credit Reporting Agency TransUnion's Unfair Computer Calculations that Adversely Effect Credits Scores Chester Pennsylvania

There was a class action law suite against transunion last year 2008 it is closed to the public as of now and the settlement has been made. It was for selling information to creditors as you stated. I was paying transunion $14.95 a month to keep track of my credit and credit reports while I was cleaning up my credit. After 6 months with them they all of a sudden without notification change the agreement to me only being able to update my report and score once a month which I signed up for being able to update it when ever I wanted to. Than when I applied for a mortgage to buy a new home I found out that they are reporting my score 150 points below what I am being shown which prevented me from getting that loan. I feel this is unethical practice. It is stated in that law suite that consumers can file a separate single law suite against them for damages. Which I plan on doing once this investigation is completed. I suggest you write then explaining to them what you wrote in here and ask for sufficient evidence that supports the reason for them lowing your score. They have 30 days to reply or 45 depending on the State your in. If they don't reply within that time, I would than file a law suite against them as I will do if they don't reply with sufficient evidence as to why my score is so much lower than what they are reporting to me. I know that some companies have different ways on how they obtain their FICO scores which as I read that Transunion and Experian have their own way of how they come up with the score but it is told not by that much. To me the money I gave them was for nothing because they are not reporting accurate information how am I suppose to know where my credit stands until I am completing embarrassed when I apply for credit. This has to stop and if we can get enough people to take on another class action law suite I think once and for all they might just straighten up not to mention that the other reporting companies will hopefully straighten their act up to.