@deseandav09 wrote:I recently pulled my fico Equifax report from this site and it shows a coll acct as 120 days/1 90 day late in Jan 14. My free annual report and Eq list the same acc under collections with no payment history. Why is that? Is it some way to get this corrected? If so, how do I proceed?
Trust the report from annualcreditreport.
Any third party massages some things from a data perspective and occasionally it can get misinterpreted which might be what happened. Moving it to product feedback as might be something for FICO to address.
