Reply
Valued Member
Posts: 40
Registered: ‎02-06-2009
0

Question regarding Experian and myFICO pulls

How is everyone doing? My question is basically a piggy back of this thread here:

 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Late-payments-after-charge-off/td-p/28298

 

My annual report Experian pull only shows an old charge off having 3 lates with the last being 2008 but my Experian myFICO pull shows 26 90 day lates with the most recent being last month. Is this normal behavior and is this having a major negaitve impact on my score? Thanks...

AMEX PRG || AMEX EDP || Discover IT || UFCU Great Rate
Valued Contributor
Posts: 1,977
Registered: ‎04-07-2009
0

Re: Question regarding Experian and myFICO pulls

Is the Charge off account paid or unpaid ? If it is unpaid then  late dates can be reported until it is paid.

Equifax My FICO score 815 5/28/2012, 818 on 7/28/2014 . Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011
Valued Member
Posts: 40
Registered: ‎02-06-2009
0

Re: Question regarding Experian and myFICO pulls

It's unpaid but what's throwing me off is it only looks like this on the myFICO pull. I pull the consumer report from Experian and it only shows 3 lates. 

AMEX PRG || AMEX EDP || Discover IT || UFCU Great Rate
Moderator Emeritus
Posts: 11,069
Registered: ‎12-30-2011
0

Re: Question regarding Experian and myFICO pulls

[ Edited ]

JHudson wrote:

It's unpaid but what's throwing me off is it only looks like this on the myFICO pull. I pull the consumer report from Experian and it only shows 3 lates. 


The base report from any of the bureaus is to be trusted over any of the third-party report distributors.

 

It goes through a sanitizing manipulation to put it into the format that the third party uses, and sometimes things get lost in translation.  End of the day it's the data that the individual bureaus has for you that counts, not what myFICO or CreditKarma, or CreditSesame, or Quizzle, or any other third party offering access to your credit reports has.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Valued Member
Posts: 40
Registered: ‎02-06-2009
0

Re: Question regarding Experian and myFICO pulls

@Relevate

 

And that's usually what I believe, but I didn't know if that had any bearing on the scoring here. 

AMEX PRG || AMEX EDP || Discover IT || UFCU Great Rate
Moderator Emeritus
Posts: 11,069
Registered: ‎12-30-2011
0

Re: Question regarding Experian and myFICO pulls

[ Edited ]

jahsoul357 wrote:

@Relevate

 

And that's usually what I believe, but I didn't know if that had any bearing on the scoring here. 


I don't think it has any bearing on the scores: those come from the bureaus untranslated.  It's the report data which can get munged after it goes through the 3rd party presentation stuff.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.