It's things like this that make me interested in raw reports. For example, Installmens. When some people pull CRs they see just INSTALLMENT from the CRA. Yet MyFICO identifies it as a Consumer Finance. How does MyFICO see it differently? Stuff like this. Why sometimes I will dispute an account and nothing changes and the score goes down from the dispute being updated. Then I will do it again and the score goes up. Matter a fact I can keep doing it over and over and the score goes up and down like a bouncing jellybean. I felt if I saw these codes I could understand much more.
When something changes there is something that is left showing how it changed sometimes. I want to see that, ect. There are things they are not always showing. I want to seeeee.
I would like to know how some of the mistakes happened on my credit report. If I could see the codes I would be more able to correct them by comparing them to other accounts that are similar. All I can do now is say that the account is coded wrong, make it look like the other one when disputing. But I can't see how to correct it I just see that it is acting negatively so it must be coded wrong, so I suspect. Example. One loan from bank A good. Closed. Loan from bank A good closed. Loan from bank B negative. Closed. Loan from bank A good. Closed. ect. Why is bank B negative? Same loan. I disputed it and it was different even know it was the same. This is hard to follow, but I know if I saw the raw data I could identify it easier and dispute, code incorrect, should be XYQ3 not K8SW. ect. lol
Message Edited by ilovepizza on 01-18-2008 04:58 PM
When something changes there is something that is left showing how it changed sometimes. I want to see that, ect. There are things they are not always showing. I want to seeeee.
I would like to know how some of the mistakes happened on my credit report. If I could see the codes I would be more able to correct them by comparing them to other accounts that are similar. All I can do now is say that the account is coded wrong, make it look like the other one when disputing. But I can't see how to correct it I just see that it is acting negatively so it must be coded wrong, so I suspect. Example. One loan from bank A good. Closed. Loan from bank A good closed. Loan from bank B negative. Closed. Loan from bank A good. Closed. ect. Why is bank B negative? Same loan. I disputed it and it was different even know it was the same. This is hard to follow, but I know if I saw the raw data I could identify it easier and dispute, code incorrect, should be XYQ3 not K8SW. ect. lol
Message Edited by ilovepizza on 01-18-2008 04:58 PM
sshhhhh! I copied it just in 
case it goes poof!
case it goes poof!
Here are links in case something goes poof.
http://www.royalmortgagecredit.com/credit_report.htm" target=_blank>
http://www.bayhouse.com/FairIsaac-FICO-risk-factors.shtml
http://www.royalmortgagecredit.com/credit_report.htm" target=_blank>
http://www.bayhouse.com/FairIsaac-FICO-risk-factors.shtml
Starting Score: 469