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Factors adversly affecting FICO score

New Visitor

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?

Message 1 of 11
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Super Contributor

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
Message 2 of 11
New Visitor

Re: Factors adversly affecting FICO score

"Number of accounts with delinquencies" There are NONE

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

Message 3 of 11
Super Contributor

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
Message 4 of 11
Super Contributor

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
Message 5 of 11
New Visitor

Re: Factors adversly affecting FICO score

how can I find out if this has happened?

Message 6 of 11
New Visitor

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?

Message 7 of 11
Super Contributor

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
Message 8 of 11
New Visitor

Re: Factors adversly affecting FICO score

by CRA, you mean Equifax, et al?

Message 9 of 11
Super Contributor

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
Message 10 of 11