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Why is a negetive item not showing on myFICO but showing on 3 other reporting sites?

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Anonymous
Not applicable

Why is a negetive item not showing on myFICO but showing on 3 other reporting sites?

On my TU report, there is a negative item that should be deleted due to the 7 years thing. It is rightfully gone on my myFICO report. However, it shows up when when I take my report from TU's truecredit site, the Experian 3 report offer, and some other I can't remember off the top of my head. Naturally, my TU scores on those site are much worse than here. I know I shouldn't trust any site's score, but the fact that this item is showing up everywhere but here is odd. Makes me think it really still exists on my TU report. Especially since TU's truecredit.com shows it.

 

Thoughts?

Message 1 of 3
2 REPLIES 2
Crashem
Valued Contributor

Re: Why is a negetive item not showing on myFICO but showing on 3 other reporting sites?

You need to figure out what cra it is still on. You are getting single reports here. Which ever it is on, go there and dispute.
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Message 2 of 3
marty56
Super Contributor

Re: Why is a negetive item not showing on myFICO but showing on 3 other reporting sites?

The scores for the other sites are probably not FICO scores.  truecredit offers Vanatge scores.  What exactly is the item and why should it not be on your CR?  If it is a comment in a TL, those can be ignored.

1/25/2021: FICO 850 EQ 848 TU 847 EX
Message 3 of 3
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