@Anonymous wrote:
Thanks for the incredibly detailed response.
I did pull from the other service mentioned and the scores do more or less match up. (Also hilarious but off topic: there's a bunch of account in dispute notations on random old accounts like student loans I never added, but no consistency between bureaus or any of the credit report services, go figure...)
I've spoken with the lender whose account I suspect probably is causing some confusion within the black box of FICO and they said we may be able to do a deletion or exclusion. (A SoFi personal loan which was PIF in 2 months -- I needed the up-front cash flow for a tax bill and didn't want to go the CC cash advance route.) SoFi stands for Social Finance, and they said while they report loans as normal installment debt, it's totally possible as you said that a FICO scoring model might be seeing Finance in the name even, and classifying as a CFA.
Will report back. Thanks again.
It's good to hear the lender is working with you on it. Best of luck.
