TransUnion has inadequate & incorrect criteria for credit reporting. For instance, I have had over {$56000.00} in auto loans over the last 10 years, paid XXXX % on time,XXXX yet this is n't figured into their scoring procedures, plus XXXX % on time mortgage payments on hundreds of thousands in real estate loans. In addition, they improperly weight 2 late payments as extremely credit lowering, where on the XXXX accounts in question alone, this represented XXXX % of payments over 24-48 months and they give no credit for XXXX auto payments made on time. I 'm sure they do this to everyone though it is a totally invalid and misleading approach to representing an individual 's payment & credit status. 
