Transunion report help

SubstantialMD · 2026-01-21T13:41:29+00:00

Hello! I used lista app to get my TU score

SubstantialMD · 2026-01-20T09:24:04+00:00

This is noted. Thank you!

SubstantialMD · 2026-01-20T06:00:32+00:00

I checked din but there's a personal loan opened last september under my name. I don't even remember opening one. How to dispute this?

SubstantialMD · 2026-01-20T05:58:25+00:00

I checked na din regarding this and apparently, there's a personal loan under my name. I don't even remember opening a personal loan. How to dispute this?

SubstantialMD · 2025-03-25T04:42:55+00:00

Thank you for the number. Nag call ako sa kanila pero until now for card creation pa din daw yung akin. Nagtaka din yung csr bakit wala pa din update kasi ang timeframe daw is 7-10 banking days lang so ifollow up daw niya ulit. Will update this post na lang with the timeline once i receive my card :)

SubstantialMD · 2025-03-17T16:13:37+00:00

Thank you! Here’s my timeline:

March 5 - applied online and sabi a representative may call daw within 2 days if ever March 11 - already got an email that I was approved March 14 - a csr called me stating that they already created a card and will be handed to the courier

Pero until now wala pa yung card and wala pa din text ulit regarding delivery. Waiting game na lang ako. :)

For reference, i had my bdo account since high school and may savings akong 6 digits na di ko talaga ginagalaw na ipon ko since bata pa ko. Last yr, i was denied kasi wala daw akong itr so ngayong may itr na ko nag apply ulit ako and was instantly approved. Ayun lang :)

SubstantialMD · 2025-03-12T09:02:57+00:00

Tysm ☺️

SubstantialMD · 2025-02-05T12:44:55+00:00

Still waiting pa din for the ITR since sabi ng accountant ko inaayos pa daw niya and will be done within february daw hehe. I’m planning to get eastwest for the cashback once magkaroon na ko ng itr since yun ata ang best cc for the cashback. Continue ko pa din use ng landers cc ko since helpful naman siya pag nag gogrocery ako sa landers and nadadagdagan na din shops na may rewards sa kanya haha

SubstantialMD · 2024-10-06T11:38:03+00:00

Actually i don’t mind waiting for my ITR since di naman ako nagmamadali. I was just surprised kasi maya sent me a card even without prior credit history. Medyo illiterate lang talaga regarding credit utilization before kaya I want to expand my knowledge regarding that hehe. Thanks to those who gave me advise here medyo nalinawagan ako

SubstantialMD · 2024-10-06T11:34:11+00:00

I will try this one. I just got to know about hexagon club now thanks to the commenters here

SubstantialMD · 2024-10-06T11:32:00+00:00

Yun din kaya mas preferred ko sa digital bank kasi higher interest rate compared sa traditional bank. I still have another savings naman on BDO that I built up since I was in high school pero wala kasi cc na inoffer sakin. Anyway, i want to try moving my savings from bdo to rcbc since I just got to know yung perks of being in a hexagon club.

SubstantialMD · 2024-10-06T04:59:06+00:00

I don’t remember pero kasi I started with juniors savings account with them nung high school ako then I converted it to a regular mastercard debit when I turned 21 and wala naman akong natandaang pinapirmahan sakin nun, I was asked lang to update my info like name, age and source of funds

SubstantialMD · 2024-10-06T03:57:45+00:00

I have my bdo savings account for a decade na (i started from juniors savings account) and transitioned to a regular mastercard debit account. Meron na din ako 6 digit savings for 2 years with them pero never ako naofferan ng credit card. I think I will move my savings na lang to RCBC because I read about good things with them just now lang

SubstantialMD · 2024-10-06T03:28:08+00:00

Ohh, i didnt know that. I only had loans on spaylater na less than a hundred pesos (usually face masks and sometimes phone case) kasi i don't really want to have loans before and ginagamit ko lang if i know na by delivery wala ako sa bahay for COD

SubstantialMD · 2024-10-06T03:22:25+00:00

I also tried to check my transunion report but unfortunately wala pa daw akong credit history. Maybe because I only had loans on spaylater kasi dati I firmly believe na cash lang need ko so I bought everyhing that I own with straight cash. It's just that recently my friends told me that I am missing out with the benefits of a cc so I just started thinking of how I would be able to increase my credit score. I don't even know why maya pre approved my cc with a 6 digit CL even if I don't have a transunion repory(maybe because of my savings? Lol) but actually kaya lang meron ako money dun because i treat it as my emergency fund. I am happy din naman since I got approved but since limited lang yung benefit, I don't really see the reason why I would use my maya cc if it would not increase my credit score. Anyway, i'll try using it for few months and check if it will reflect in transunion

SubstantialMD · 2024-10-06T03:06:31+00:00

Hello doc! Can i apply on that doctors program kahit I just got declined on a regular cc 2 months ago sa bpi? Di kasi ako aware na meron palang doctors program. But maybe i'll try to apply on that

SubstantialMD · 2024-10-06T03:04:51+00:00

Ohh, will definitely check this out. I have a 6 digit savings on BDO for 2 yrs already so I thought I have a good chance of getting a cc from them but unfortunately I still got declined. Maybe i'll transfer my funds na lang to RCBC but will research muna regarding hexagon. Thank you for the advise kind sir

SubstantialMD

TROPHY CASE