70 point drop on Score Alert, not on Credit Report

[Armbar9]

For two months now, I have received a Score Watch Alert and a 70 point drop for an account with La Curacao which I DON'T have. After a week, I receive a second SW Alert and regain the 70 points.

This La Curacao account is not on any of my credit reports and when I call La Curacao, they can't find any account matching my name, DOB or SS#.

How shall I proceed? I can't dispute because it is not on any of my reports. Also, I have another CMS through my CU and it also sent me the alert. 

Any help or shared experience would be greatly appreciated.

-A

[Booner72]

Since you have the points and it's not showing up I wouldn't even worry about it.

[Armbar9]

My concern/question is whether it will affect my goal of purchasing a home in the next few months.

Will this monthly SW drop also show on a bank pulled credit score?

[guiness56]

Your score dropped then went right back up.  Is this happening monthly?

Whoever pulls your credit will see what your score is at that time, not what it was when the CA hit.

I would pull directly from the CRAs or annualcreditreport.com if you still can.

[Armbar9]

I checked Equifax today (back door) and there was nothing there. Actually, I have never seen it on any credit reports. I'm at a loss on how to proceed.

[guiness56]

There really isn't anything that can be done unless it actually shows up on your report.

[Armbar9]

UPDATE:

I called MyFico. First guy told me he didn't know why this happened. Put me on hold while he spoke with Supervisor. He came back and told me they were both "perplexed". His suggestion was to pull a MYFICO report to see what changes were made since the last SW.

I don't think anyone wants their Credit Report defined as Perplexing.

I'll update this thread with any results as I go along.

I might pull MyFico and look for changes. I might also call Equifax. I am worried this might end up with the discovery of a Split Credit File.

-A

[Shogun]

Split file is exactly what I was thinking.

[Armbar9]

UPDATE:

I called the Equifax Security Department (888) 298-0045. I wasn't on hold long before someone spoke with me.  

CSR took my info and looked at my file. Basically, she told me there wasn't any problem with Equifax, everything seemed fine- No split file.

She said I should talk to Myfico since these alerts are coming from a third party.

So to recap: I have called Myfico, Equifax, La Curacao & I still don't have an explanation or solution.

I was joking to my wife that I pay Myfico a monthly fee to stress me out.  

So here is my question to the forum members. If I could at least get this answered I would be happy:

If this score drop is only on Myfico, but no changes appear on my credit report, is it safe to assume this won't affect a lender pulled score?

Thanks!

[guiness56]

I want to say yes.  But there has to be a reason that myFICO Scorewatch is getting those alerts.  The CR here are pulled directly from EQ.  If you get another one I would immediately get a report from EQ and see if there is something there.  Or at least call them.

The whole situation is extremely odd to say the least.