03-01-2013 07:52 PM
First, I hope I posted this in the correct section. If not, I hope a moderator moves it where it needs to be.
I have come accustomed to using myFico to review my Trans Union and Equifax reports and scores. Mainly because I can get my Fico score here. When I look at my Equifax report that I get from myFico, it is as it should be. There are no errors, everything is correct.
I am having an issue which prompted me to retain an attorney in regards to Experian. The attorney advised me to pull my credit files from Annual Credit Report. I pulled Equifax to discover that there are 4 additional accounts listed (and of course negative).
I checked my Equifax report today on myFico as well as Annual credit report today. How can I have 2 different versions from Equifax?
03-01-2013 08:37 PM
When you pull from MyFico are you using the same name (first and last ) and generation code if applicable and the same address?
03-02-2013 07:51 AM
03-02-2013 07:59 AM
Actually, I just double checked. My legal name is spelled Bobbie. Which is what I use for anything credit/loan related. I just noticed that some Equifax reports say Bobby and others Bobbie.
Could I have 2 different files because they think it is two people? Even though the SS# is the same?
03-04-2013 07:25 PM
It is quite possible. I would check with your creditors to make sure they are reporting your first name correctly. Are the collection accounts yours?
03-04-2013 07:47 PM
03-05-2013 01:06 PM
New report for both versions. Same date. I sent everything to an attorney. She will be getting in touch with me once she reviews everything. I am tired of fighting with the CRA's. I would rather pursue a civil action against them.
03-05-2013 07:53 PM
Sometimes the spelling of the name can indicate gender like Terry or Terrie. I can understand why you have two files. My concern is that yes you can have it fixed for nw via legal means but the problem can come back potentially. If the creditor(s) who are reporting to the CRA(s) incorrectly keep updating with the wrong information again you have problem come back.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.