Re: my FICO listing 'wrong' informatio
08-31-2012 06:49 PM
I have been a subscriber to myFICO for several years. My husband has also joined. we monitor and 'babysit' our scores watching for errors and problems on a regular babsis.
We recently applied for a loan. Based on the info in myFICO it should have gon through. But when the bank ran our credit, what they recieved was very different, and I do not understand.
I understand that credit scores fluxuate though out the day, but the bank recieved a score for me that was 20 points higher. and a score for my husband that was 50 points lower. This just seems too much to be 'normal fluxuation'. Further myFICO reports a collections (a reporting error that we are trying to dispute) on my husbands report, and the bank has it listed twice.
My intent on purchasing myFICO is so that I was aware of what is going on in my report... but why aer the reports so different? FYI the report I pulled from myFICO (and paid extra for it) was only two days beforethe bank pulled the score.
Why do you say "based on the info in myFICO it should have gon through."?
Also, who did your bank pull?
Starting Score:TU:597 EQ:571 7/5/12 (joined myFICO & SW)
Current Score: EQ:653 (ScoreWatch) EX:685 (Amex app) TU:681 (Walmart)
Goal Score: 700
Proud to say that ALL past due debt has been paid and I never declared BK!!