Rental Kharma
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This experience started off great great…
This experience started off great great great until I applied to have my rental history expanded to 5 years. The 1 year rental history i previously had was removed from my report which caused a deep decrease in my Transunion credit score by 88 points. Since I am in the process of trying to buy a house, this was devastating for me because this tanked my median score position. I cannot protest a credit score so I am literally screwed now on this report unless something miraculous happens. The RK team must be more careful not to remove positive items from credit reports even if they are putting them back on as the removal activity itself of a positive account is damning for a credit profile. For future reference, if someone is upgrading, the old account should simply be reported as paid as agreed in good standing and a new account set up under the new agreement so that your company doesn't run the risk of ruining someone's credit. I've been working so hard on my scores over the last year and a half and I am devastated and totally unsure if I'll be able to buy a house this year and I've been stuck where I am for 5 years. What a downer....