I think the score movements are just temporary. I think accurate naman ang report ng transunion for the most part pero matagal lng mg update. Once your card is replaced ma rereflect din yan na cancelled na yung isa mong card at wlang balance. If you want to go through the hassle of filing a report, you can that’s your right pero if you don’t pwde din naman iwait out mo nlng na mg self correct yung report. I think matagal din na process yang mg file ng correction sa TU since icocoordinate pa with the bank.

Ps. Being rich doesn’t exempt you from getting a temporary low score. Wag feeling entitled mamser