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Established Contributor
Posts: 536
Registered: ‎01-24-2008
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Why is My Fico so different from the original CRA's

I found a LOT of info that wasn't on the real reports.
While my fico reports have a lot more info on the account, which one should I follow?
If I dispute with my fico cr who does the dispute go to?
 
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
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Re: Why is My Fico so different from the original CRA's



gdtobefree wrote:
I found a LOT of info that wasn't on the real reports.
While my fico reports have a lot more info on the account, which one should I follow?
If I dispute with my fico cr who does the dispute go to?
 



When you pull a report through myFICO or any other reseller, you will get whatever information the CRA proivdes to the reseller.
 
Disputes go to the CRA, doesn't matter where you pull your report.
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Valued Contributor
Posts: 1,451
Registered: ‎03-19-2008
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Re: Why is My Fico so different from the original CRA's

gd-
The dispute function on myfico compiles all the things you have issue with into a form letter that you can print out and send in. It doesn't send the dispute directly to the CRA online, as happens when you dispute online from each CRA's website.
Established Contributor
Posts: 536
Registered: ‎01-24-2008
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Re: Why is My Fico so different from the original CRA's

Should I bother with disputes through myfico then?
Valued Contributor
Posts: 1,451
Registered: ‎03-19-2008
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Re: Why is My Fico so different from the original CRA's

If it helps you to have the information laid out in an easy-to-review format, then yes.
If you need to add more information regarding an account, then yes. Some of the CRA online disputes limit you to 100 characters, or choosing from a list of explanations that may not cover your particular circumstance.
Or, you may be limited from disputing online at all. If there is a fraud alert on your account, if you have previously disputed an account, or if it is not Tuesday and you are not in Belgium, a CRA may block you from disputing online :smileyhappy:
 
So yes, it can be helpful to do it by snail mail.
Established Contributor
Posts: 536
Registered: ‎01-24-2008
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Re: Why is My Fico so different from the original CRA's

if it is not Tuesday and you are not in Belgium,
 
Nope and nope LOL
I did 1 online dispute ( I know now NO NO!)
and 1 CMRRR already.
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