30, 30

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Friday, February 08, 2013 4:08 PM
To: John Branham, public relations and social media manager, TransUnion Interactive, TransUnion
Subject: 30, 30

See this message and your response at http://blog.creditscoring.com/?p=4657.

Your press release states, “A history of late payments – even by a few days – can potentially harm your credit score.”

However, according your key, an adverse rating only begins at 30 days.  By “a few days,” do you mean a month?  And, couldn’t just one late payment harm a score?

Also, what is so healthy about keeping balances “at or below 30 percent” of a person’s total available credit?  Did you poll lenders?

Finally, what are you doing about the inaccurate USA Today report?

Greg Fisher
The Credit Scoring Site
PO Box 342
Dayton, Ohio  45409-0342