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What is the difference between the Equifax report on MyFICO and report directly from Equifax?

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StartingOver10
Moderator Emerita

What is the difference between the Equifax report on MyFICO and report directly from Equifax?

This is my first post here on MyFICO.  I started my credit repair journey after my BK discharge last year (2009) and have recently come to this site to learn more effective rebuilding methods.

 

Naturally I pulled TU and EQ reports to see where I am in my repair progress.

I noticed that the EQ report from MyFICO shows the items included in BK (IIB) like it is supposed to, but the balance reads 'NOT REPORTED' rather than zero. I called EQ and they would not discuss anything without having one of their reports directly. So I obtained their report to facilitate the dispute process and all the balances actually show a zero like they are supposed to show.

 

Is there anyway to correct the report balances on the MyFICO EQ report? 

 

What exactly is the difference between the reports directly from the CRA and the one's from MyFICO?

 

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