Score and Report questions

[Anonymous]

I pulled my annual CR 4/2/12 EX. I have been using USAA CMS since then, I know the score on USAA are FAKOs and don't match with the others, but my question was, if something comes off my report from USAA, would my FICO report/Lender/Annual CR match that?

[Anonymous]

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@Anonymous wrote:

I pulled my annual CR 4/2/12 EX. I have been using USAA CMS since then, I know the score on USAA are FAKOs and don't match with the others, but my question was, if something comes off my report from USAA, would my FICO report/Lender/Annual CR match that?

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That's my understanding. Someone please correct me if I'm wrong, but I believe the reports are accurate but the FAKOs aren't.

[SGTRobocop]

USAA uses a cater scoring(FAKO) if a entry is not on you USAA it will more then likely not be on your real report, your scores will not match up!

Here's the best way to explain a Cater Score:

My score is a real FICO score of 700

I have four positive auto loans over 10yrs, my car score is for auto lenders is 760

I have two positive mortgage over 8yrs, My mortgage score for morgage lenders is 750

I have 9 positive credit cards over 20 yrs, My credit card score for Credit card companies is 770

My Girlfriends Real FICO is 720

NO auto loans, her car score for auto lenders is 680

NO Mortgage loans,  her mortgage score for mortgage lenders is 680

(these are not true and accurate numbers, only examples)

Some lenders look at only your history based on the type of product you are buying, by the product line you have a history with.

[Anonymous]

These are how EXP ACR and USAA show this. Is it a problem how TU shows the acct status as open? or how EQ/EXP don't report it as a collection?

Should I DV the CA on this? I have 1 other  account similar to this and it doesn't say when it will be coming off.

[SGTRobocop]

You could try DV, but based on the age more then likely if its yours they will verify it and you wont really get any where. First I would contact verizon, keep calling till you find someone who can help, tell them your situation and ask who can help you. If the person you talk to can't help, ask who they recomend you speak to. Once you find that person who can help, WRITE DOWN THEIR NAME AND EXTENSION, try to talk to them everytime, keep notes. Work something out once you verify its yours.

[Anonymous]

I know its mine, but the last payment is from 2004-2005. 

[kjm79]

Unless you are in a huge push to get your scores up, I think I might leave this one alone.  It's scheduled to drop off in July.

[Anonymous]

Trying to buy a house and get my score to atleast 620, don't really want to wait until July