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Established Contributor
Posts: 505
Registered: ‎11-05-2012

Credit report question

I pulled TU credit report from myfico. They showed 3 baddies, but credit karma showed 4 baddies. And truecredit showed 5 baddies . Why they are showEd up different report like that?

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Frequent Contributor
Posts: 411
Registered: ‎12-10-2012

Re: Credit report question

The only one that matters is the myfico. Not uncommon for the FAKOS to be wrong.
NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Established Contributor
Posts: 560
Registered: ‎09-29-2012

Re: Credit report question

The CR that matters is the consumer disclosure report direct from the CRA or thru the central source



The 3rd party sites (even myfico) can get delayed in credit reporting updates.

Regular Contributor
Posts: 233
Registered: ‎10-03-2009

Re: Credit report question

I also have one collection account missing on credit karma. It does suck that it doesn't have all derogatory accounts. 


my public record is showing, but not my collection account.



Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |

Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013

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