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Contributor
Posts: 103
Registered: ‎11-28-2013
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Confused on EQ credit report on EIDT

[ Edited ]

I just got my 1st 3 breau credit reports from EIDT everything looks fine except one thing. Everyone of my trade accounts have 2 year payment history for both EX and TU. EQ is showing unknown for every TL for the full 2 years! Do any of you that use this service ever have this happen to you? What do you think would cause this? What should be my next step call EQ? Just a note there was no problems with my EQ report pulled from MyFico a week ago??? TIA

In garden as of 04-06-14 to 12/01/14

Starting score EQ MyFico 646 11/29/13 Current 691 EQ MyFico SW 04/03/14
Starting score EX MyFico 657 12/01/13 Current 686 EX MyFico 03/01/14
Starting score TU MyFico 627 12/02/13 Current 696 Barkclay 03/26/14
Regular Contributor
Posts: 147
Registered: ‎10-07-2013
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Re: Confused on EQ credit report on EIDT

EIDT doesn't seem to report Equifax correctly.  I'm not sure why.  They have all the dates for account reporting wrong as well, since it just defaults to the first of the month.  The score listed is very wrong as well since it listed me at 653 on EIDT and I got my FICO score at 733.  The TU and EX EIDT scores were at least within 10 points of my FICOs.

 

I think it's probably just mostly useless for EQ.


FICO EQ: 733 TU: 727 CS FAKO EX: 737                                                                                               In the garden since 5/9/13
Contributor
Posts: 103
Registered: ‎11-28-2013
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Re: Confused on EQ credit report on EIDT


Beane wrote:

EIDT doesn't seem to report Equifax correctly.  I'm not sure why.  They have all the dates for account reporting wrong as well, since it just defaults to the first of the month.  The score listed is very wrong as well since it listed me at 653 on EIDT and I got my FICO score at 733.  The TU and EX EIDT scores were at least within 10 points of my FICOs.

 

I think it's probably just mostly useless for EQ.


Well that is a kick in the ass! Not only do you wait 2 days to get account setup you also only get TU and EX reporting. I think I will be canceling this because I am paying for a service that EIDT is not provding.

In garden as of 04-06-14 to 12/01/14

Starting score EQ MyFico 646 11/29/13 Current 691 EQ MyFico SW 04/03/14
Starting score EX MyFico 657 12/01/13 Current 686 EX MyFico 03/01/14
Starting score TU MyFico 627 12/02/13 Current 696 Barkclay 03/26/14
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Senior Contributor
Posts: 3,067
Registered: ‎11-02-2009
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Re: Confused on EQ credit report on EIDT

That is odd.  For me at least, this is a fairly recent problem.  I've not had issues with it before, but I just checked mine and I also have some oddities for EQ.

 

The information seems to be correct for the most part.  I wonder if EQ changed something in how they are reporting which is causing a problem with EIDT presenting the information.  From what I recall, these third party aggregators package the information received from the report in their own way.  So it seems like it is having difficulty grabbing the rated payment information.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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