Difference in MyFico Equifax report vs. report straight from Equifax?

[Anonymous]

Purchased credit report from MyFico today for Equifax and also pulled a report directly from Equifax and one account in general, the main one I'm worried about, has different info.  It's an old joint account with no balance, supposed to be.  Report direct from Equifax lists the account as a "blank balance" and "Association Terminated".  The Equifax report I just purchased from MyFico still lists the account as open and jointly owned with a $4500 balance.  How come the difference?  Just wondering how they are different since they are both Equifax reports pulled on the same day?  Which one would be considered "most correct" if a mortgage loan is being applied for?

[Thomas_Thumb]

I would expect credit report information direct from Equifax to be more up to date. The data MyFico is using could have been pulled from an older database.

Regarding credit score - Equifax offers a score based on their own model. Equifax also offers Score Power which is a Fico 04 score -  the one looked at for mortgages.