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Reporting your loan may have slipped through the cracks and once the credit union is alerted, it will be a simple matter of sending in the account activity to the bureaus.

It could be that your credit union does not have a relationship with any of the credit bureaus, particularly if it’s very small.

Because the employer listing is updated only when you apply for new credit and is not provided to Experian in all cases, it is not meant to be an employment history.Some good news for consumers is Section 202.6 (b)(6) of the Equal Credit Opportunity Act establishes a consumer’s right to present all of his recurring monthly payment history in establishing his creditworthiness, and that information must be considered by a lender if it is available.Nathans, mentioned above, is now working on a Web-based, secure, consumer self-storage application for bill-paying information that should meet this requirement, enabling consumers to present their financial file to any lender and have it scored.It is more likely that the credit union does not have a relationship with Trans Union.So, I suggest you begin by checking your credit reports from the other two major credit bureaus — Equifax and Experian.




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