Credit Card Center Advertiser Disclosure

Established Member
Posts: 19
Registered: ‎11-07-2012
0 Kudos

Very confused!!!!!

Okay guys, I decided to pull three credit reports and scores from Experian.


Credit scores: Transunion: No score/ Experian: No score/ Equifax: 729


The reason is as follows. I had a collection account with Portfolio recovery which I disputed and had deleted. The original creditor, Wells Fargo, is still showing on the account. On Transunion is is showing as a charge off purchased by another lender. The same rings through with Experian, though it is just reported as closed. On Equifax, it is OPEN and PAYS ACCOUNT AS AGREED!!!! This accounts for the high plus score (though the FICO score is 629; I dont think it is updated)


I have no other accounts at the moment, though I just got approved for a secured credit card from capital one and added as an AU on a BOA card. Got denied a Walmart card today Smiley Sad


Should I contact Wells Fargo???

Senior Contributor
Posts: 4,189
Registered: ‎03-24-2008
0 Kudos

Re: Very confused!!!!!

Hi and Welcome to the forums,


Whats the reason for the dispute with the CA?


Your dispute was with the CA(Collection Agency) reporting, not with the OC(Original Creditor)and their reporting.

The CA has nothing to do with, how the OC reports and vise versa.


If you contact the OC (wells fargo) they may update the info with EQ (Equifax) to a CO (Charge off), like they are reporting with TU and EX, which would result in your score to drop.

Is the reporting of the CO, correct?

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Established Member
Posts: 19
Registered: ‎11-07-2012
0 Kudos

Re: Very confused!!!!!

Yes that is correct. I might just leave it. It is having a positive effect on my Equifax and its influence on TU and Experian is limited now as it is due to fall off in two years. It is also the only charge off/negative mark on my accounts. Waht do you think?

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.