Understanding FICO® Scoring

[4gdad]

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?

[pizzadude]

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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?

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Welcome to the forums !

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

[4gdad]

"Number of accounts with delinquencies" There are NONE

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

[pizzadude]

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

[pizzadude]

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

[4gdad]

how can I find out if this has happened?

[4gdad]

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

[pizzadude]

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4gdad wrote:

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

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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.

[4gdad]

by CRA, you mean Equifax, et al?

[pizzadude]

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4gdad wrote:

by CRA, you mean Equifax, et al?

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