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FICO® Forums >
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Understanding FICO® Scoring >
Should all 3 match?
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Should all 3 match?
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07sky04
Contributor
Posts: 11
Registered: 06-08-2007
Message 1 of 7
Viewed 20,675 times
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I just pulled all 3 reports and scores. Equifax is so far fetched from the other 2. I've done a complete analysis of the entire report and there's a lot of discrepancies in all 3. For Instance - TU and EX are reporting accounts as closed, while EQ is still reporting them as Open. Also, I have 5 medical collections. All 5 are being reported to EX (3 being reported as paid), 3 to EQ (1 is reported as paid) and 1 to TU (1 is reported as paid). Would it be wise to send them GW letters to get them to remove? The 3 that are paid are from 2005 and the 2 unpaid are recent (late 2006, which I intend on paying with a PFD because I never got statements). I just don't want to open another can of worms and get them extended. Should I try and contact the bureaus to get all 3 reports to be as similar as possible? I'm really trying to get it to match my TU report as that's the best score...albeit still low, but higher than the other 2. Or am I doing more harm than good that way because my TU could now report those other accounts and cause it to go down? What do you guys recommend?
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06-08-2007 10:23 AM
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Re: Should all 3 match?
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 Tuscani
Moderator
Posts: 6450
Registered: 03-29-2007
Message 2 of 7
Viewed 20,671 times
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Nope.. the three CRAs have nothing to do with one another. You need to correct inaccuracies with each.
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06-08-2007 10:32 AM
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Re: Should all 3 match?
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MidnightVoice
Super Contributor
Posts: 7572
Registered: 03-25-2007
Message 4 of 7
Viewed 20,659 times
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That ain't necessarily so. Some CLs will report to one and not another, so there can be differences. For example, my oldest (of very few) CLs does not report to EX, so EX hates me
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
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06-08-2007 11:01 AM
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Re: Should all 3 match?
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MidnightVoice
Super Contributor
Posts: 7572
Registered: 03-25-2007
Message 6 of 7
Viewed 20,648 times
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For example, all 3 CRAs show me with different numbers of closed and open accounts  And hence different total accounts
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
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06-08-2007 11:20 AM
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