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07-19-2013 11:58 AM
07-19-2013 02:08 PM
Did they tell you that FICO cannot remove that information from your CR? They should have. FICO does not add nor subtract information from your CR. That is done by the CRA directly. So you will have to contact the CR that has that information listed.
07-19-2013 02:22 PM
07-19-2013 02:37 PM
It is not on my Credit Report, that is the point! It is on my MyFico Report but did not come from a credit reporting agency and would/could not tell me where it came from! That is my whole point! If it did not come from one of the 3 credit reporting agencies and they cannot determine where it came from, then remove it! It is obviously an error caused by their algorithms that pull the date from some unknown source.
Going by that, and re-reading through your posts. I'm stumped. I agree with you. If it's not on any of the 3 bureaus, where are they getting it? Innovis? LexisNexis?
07-20-2013 09:25 PM
The reports that myFICO get are pulled directly from the CRAs. They are just fomatted differently because of being a 3rd party.
So, the information did come from the CRA. It may not be on your reports from them, because it should not be, but it did come from somewhere at the CRA. It sounds like data was allowed through from another persons file that should not have been.
I would guess that would be a CRA issue since myFICO gets the information from them.