Reply
New Visitor
4gdad
Posts: 5
Registered: ‎01-09-2013

Factors adversly affecting FICO score

Received fico score with number of "Key Adverse Factors" listed. Requested and received full credit reports and found no evidence of any of these. None. Reviewed reports with credit agencies.  They too found no reason for the factors listed. How can this happen?

Moderator
pizzadude
Posts: 8,544
Registered: ‎01-28-2010

Re: Factors adversly affecting FICO score


4gdad wrote:

Received fico score with number of "Key Adverse Factors" listed. Requested and received full credit reports and found no evidence of any of these. None. Reviewed reports with credit agencies.  They too found no reason for the factors listed. How can this happen?


Welcome to the forums !

 

Can you be more specific and list the Factors affecting your FICO score ?

 

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
New Visitor
4gdad
Posts: 5
Registered: ‎01-09-2013

Re: Factors adversly affecting FICO score

"Number of accounts with delinquencies" There are NONE

""Too few accounts paid as agreed" There are NONE

Moderator
pizzadude
Posts: 8,544
Registered: ‎01-28-2010

Re: Factors adversly affecting FICO score

 

Have you ever had accounts paid late ?   Wondering if your credit file might have been split.....

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Moderator
pizzadude
Posts: 8,544
Registered: ‎01-28-2010

Re: Factors adversly affecting FICO score

 

Here's a recent thread that discussed:  http://ficoforums.myfico.com/t5/General-Credit-Topics/How-Mixed-Split-Credit-Files-Happen-and-What-t...

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
New Visitor
4gdad
Posts: 5
Registered: ‎01-09-2013

Re: Factors adversly affecting FICO score

how can I find out if this has happened?

New Visitor
4gdad
Posts: 5
Registered: ‎01-09-2013

Re: Factors adversly affecting FICO score

If it ere a split file, would not the "bad" accounts that are causing this show up on the full credit report?

Moderator
pizzadude
Posts: 8,544
Registered: ‎01-28-2010

Re: Factors adversly affecting FICO score


4gdad wrote:

If it ere a split file, would not the "bad" accounts that are causing this show up on the full credit report?


I think a split file results in more than one credit report under your identity, so it's possible that you wouldn't see everything.

 

The thread referenced above recommends contacting the CRA directly if you believe your file might be split.

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
New Visitor
4gdad
Posts: 5
Registered: ‎01-09-2013

Re: Factors adversly affecting FICO score

by CRA, you mean Equifax, et al?

Moderator
pizzadude
Posts: 8,544
Registered: ‎01-28-2010

Re: Factors adversly affecting FICO score


4gdad wrote:

by CRA, you mean Equifax, et al?


Yes, whichever CRA provided you the scoring reasons that didn't match up.   Either EQ, TU or EX....

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+