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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.