Product: Credit reporting, credit repair services, or other personal consumer reports

Their scoring model is defective and harmful to consumers. 

XXXX years ago I lost my job and I probably over-reacted a little when I saw how high my wife had run up my credit card balances. I wanted to shore up our finances immediately and I negotiated a very small discount on my XXXX  XXXX  balances in exchange for paying them off entirely right then. 

For being financially responsible, I have had negative items being reported in my credit file for the last XXXX years. ( " settled for less than full amount '' ) I have not missed a single payment nor even been late on any of my obligations the entire XXXX years. Now that those accounts that were paid as agreed at a slight discount, have finally rolled off of my credit file, my Advantage score DROPPED by XXXX points! 

How is this fair? 

In addition, my late wife who passed away XXXX years ago, has a XXXX XXXX on my home in her name only with a balloon payment that I have not been able to get refinanced in my name because my income is not verifiable. My income is primarily derived from investments and trading of my retirement savings and it can vary greatly. It results in gains and losses, but not " income '' as far as what mtg companies can consider. Even though I am the one that has been making all of the payments on th

is XXXX XXXX for over XXXX years now, I am not getting it reported under my name and SS #. I have been trying and trying to get this XXXX XXXX refinanced or modified and put into my name. I am paying XXXX XXXX on this mortgage which hardly seems fair considering my good payment history. They won't modify this mortgage at a fair rate and let me assume it in my name. Lowering my score unfairly does not help this situation. I'm not getting any positive consideration for making consistent, on time payments on this XXXX XXXX in my late XXXX XXXX name, and now while I'm hoping to get that XXXX XXXX modified and put into my own name at a reasonable interest rate without a balloon, my credit score was just decreased by XXXX points when the only negative items that were in my credit file were finally removed after XXXX years. 

I have paid all of my obligations on time. I have demonstrated financial responsibility across various types of credit. My first mortgage, an installment vehicle loan, and my credit cards are all current. The same goes for the XXXX XXXX except that it may now be considered past due since the balloon was due and I have not been able to refinance into my name without verifiable income. I have continued to pay more than the monthly payment amount that was due prior to the balloon due date. My XXXX  balances are low and I pay them off every month. I never tried to get a deferment on either of these mortgages during the pandemic etc.

My credit score should be increasing, not decreasing! Why am I being punished for paying my obligations on time and as agreed? I have actually been making additional principle payments on both mortgages and on my car payment, but again, my fiscal responsibility is being punished rather than rewarded. 

All TransUnion seems interested in doing is trying to sell me their products. They could care less how their practices are harming consumers. These opaque scoring models are unfair. Consumers should be able to determine EXACTLY how any action will impact our scores if these are being used to grant or deny credit and to determine the interest rates that we pay.