Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Report
Profile Image

Question By

2 Contributions
15 People Helped
Why is Transunion not showing my loan acccount after 5 months?
In June of 2016 I opened a Capital One SC to reestablish credit, though it wasn't bad to begin with. The following month I opened a personal loan account with a local business I had dealt with in the past that I knew reported to all three credit bureaus. I didn't need the loan, but I wanted to show some diversity on the report and that I could still pay on time. Upon applying for the loan I immediately took a score hit with all three credit bureaus due to the hard inquiry. This was expected. Upon opening the account Experian and Equifax both updated with a month to show the account on my report and have regularly reported my payments every month since then. Transunion, however, still has not listed the loan on my credit report and it has been 5 months. I almost have this loan paid off.

I talked to the business I opened the account with and they said they have been reporting to Transunion as well and they don't know why it wouldn't have been added to my report by now.

Is there some reason why Transunion would not have added this loan account to my report by now? I would like to have it added and show I made my payments on time. Transunion is updating my Capital One SC every month but not even putting the loan on my report.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.