I pay off my credit cards frequently during each month. I budget @ $3000 and start with that amount in my checking account at NFCU each month. All but one income I receive goes into that checking account. One deposit goes into my NFCU savings account. The NFCU credit card is my primary card. I have applied for an Apple credit card and that is what prompted all this work - unfreezing 3 credit bureaus and sharing temporarily all my accounts in NFCU, USAA, and Schwab, which contains my IRA and a stock account. I also have a TSP retirement account, but did not link it as it should not be needed for the decision to approve my application.

Google “Transunion data breach” they are currently being sued in a class action lawsuit (Bryant v. Trans Union LLC) for failing to properly secure the names, addresses, drivers license numbers, social security numbers and financial account numbers of 200 Million US citizens that were lost in a data breach. Their services are slow everything from the website to getting emails and good luck trying to correct the misinformation that they themselves caused to be on your credit record. If you don’t login to the website for an extended period when you try to login you will receive a message telling you incorrect password even though you know for certain you entered the correct password since it is stored in an encrypted file along with the last date you authenticated on their website using that password but hey I guess it’s easier to tell the customer they are an idiot than simply say they are requiring you to change your password. Try going to the website and setting a 15+ digit password and you’ll find out their own app won’t let you login with a 15+ digit password but their website happily will.

I’m a person who has impeccably flawless credit. I have never been late on a payment. Everything I pay is on auto pay so I never see a bill. I’ve had my American Express platinum card with no spending limit for 33 years. I have a $4 million apartment in Miami a $5 million home in Colorado, way over $10 million in the bank and I have a 740 point fico score with Transunion. Hah! They have no idea what accounts I have whether it be utilities, communications etc. I am very blessed to be where I am at this point in my life so it’s disheartening to have a company like this give an impression of you that is totally false. In today’s business claimant whether it be because of Covid or a myriad of different things, if you do business in Europe for example, they look at your credit score. It’s the only barometer they can use to make sure that you are a responsible standup human being. In essence, Trans Union has hurt me and my ability to do business in many ways. I guess the only smart thing to do with this is just stop the membership. I bet they’ll call me then………. Very disappointed