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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...

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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 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
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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. 

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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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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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. 

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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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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