Inacurate reporting

CreditHealthy · ‎04-13-2014

Good afternoon Can someone tell me who to call when an account is reporting accurate information on one credit reporting agency but not the others? would this mean that, lets say equifax has somehow made an error, or is it the collection agency who may have reported incorrectly to equifax? Thanks!

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013

Shogun · ‎04-13-2014

It's an "either/ or sort of thing. I couldn't tell you which is reporting incorrectly. Usually, the CRAs only report the information that is given them, but they are known to err also. I would contact the creditor and see how they say they are reporting, if it is different than what the CRA has, then I would contact the CRA.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

CreditHealthy · ‎04-13-2014

Thanks shogun!

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013

RobertEG · ‎04-14-2014

Is the issue that their reporting is not the same with each CRA, or that they have actuaaly reported inaccurae information?

CreditHealthy · ‎04-14-2014

Good morning RobertEG, the issue is that their reporting is not the same with each CRA. Equifax is reporting that the paid account had been 120 days late in 8/2013 and Exsperian is reporting it correctly being 120 days late in 8/2011. So, according to my Equifax "understanding your score" it's scoring me as if I just had a recent missed payment 8 months ago, instead of almost three years ago. Thanks for the response!

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013