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Confusion w/ accounts reporting differently

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joeyoey
Frequent Contributor

Confusion w/ accounts reporting differently

So, I pulled the 3 in 1 My Fico report again today & I'm up about 40 pts on all three bureaus!  I wa expecting some increase, but not this much since the middle of May.

 

I have a question though.  I also took a look at my Transunion report yesterday & a collection account is still listed there (for National Credit Systems).  However, that account has completely dropped off of all three of my MyFico reports.

 

Which is accurate?  I have the monthly subscription thin with Transunion so I know it's accurate (unlime Credit Karma that only updates once a week).  I checked Transunion again today & it's dated today & NCS is right there...yet, I look on the TransUnion MyFico report & it's not?

 

I'm thinking this is one reason I got the big bump, I'm just confused why TransUnion lists it on their report but not on MyFico.

 

Any idea??



Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (4/01/2015): EQ 686 EX 668 TU 669
Nov 1, 2015 Goal: 700 Across all 3

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gdale6
Moderator Emeritus

Re: Confusion w/ accounts reporting differently


@joeyoey wrote:

So, I pulled the 3 in 1 My Fico report again today & I'm up about 40 pts on all three bureaus!  I wa expecting some increase, but not this much since the middle of May.

 

I have a question though.  I also took a look at my Transunion report yesterday & a collection account is still listed there (for National Credit Systems).  However, that account has completely dropped off of all three of my MyFico reports.

 

Which is accurate?  I have the monthly subscription thin with Transunion so I know it's accurate (unlime Credit Karma that only updates once a week).  I checked Transunion again today & it's dated today & NCS is right there...yet, I look on the TransUnion MyFico report & it's not?

 

I'm thinking this is one reason I got the big bump, I'm just confused why TransUnion lists it on their report but not on MyFico.

 

Any idea??


The report directly from the CRA is the correct one, sometimes 3rd party pullers do not get all the info correctly...

Message 2 of 2
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