I applied for a loan last year and when the bank did a credit check the Equifax report was clean but the Transunion report went back to when i first got credit. On that report i had some R9s. So maybe thats what happened in your case.I am sure someone else on here would know more about the difference's of the reporting system.

OK... so if a creditor is checking your credit, when they pull you up on their screen, are they seeing the most recent bureau or are they potentially looking at one that could be a week old, a month old, etc?

I got my profile and score from Transunion a couple of days ago and my score is 741... I did have one R9 on it that purged in July.

I applied for something relatively minor yesterday and was flat out DECLINED.

I am just wondering if they could be looking at an old version - maybe they only download once a month or something? does anybody know?

I cannot get my score from Equifax because I only have a prepaid M/C and they cannot confirm my identity with it? (yet transunion can!)

thanks in advance.
Jenn