topic Re: CK vs EQ - Different Info in Understanding FICO® Scoring

CK vs EQ - Different Info

800goal800 — Thu, 07 Oct 2021 10:41:23 GMT

I got an alert from CK that a collection was removed. When I pulled a new report on MyFICO, the collection was still on Equifax.

I would assume that CK pulls from EQ itself..?

Re: CK vs EQ - Different Info

FireMedic1 — Thu, 07 Oct 2021 10:57:25 GMT

It may sound strange. Even though Vantage sites are good for keeping an eye on your reports and not the scores. Its funny thier alerts are much faster than the CRA's. Sometimes instantly. It will update soon. CRA's have their own kind of update schedule.

Re: CK vs EQ - Different Info

SouthJamaica — Thu, 07 Oct 2021 13:34:39 GMT

@800goal800 wrote:
I got an alert from CK that a collection was removed. When I pulled a new report on MyFICO, the collection was still on Equifax.

I would assume that CK pulls from EQ itself..?

CK pulls from both TU and EQ, so maybe it was removed on TU but not on EQ.

Re: CK vs EQ - Different Info

800goal800 — Thu, 07 Oct 2021 13:47:24 GMT

It says removed from EQ under " see what's changed ".
But...when I look at the summary and credit report for EQ in CK, it is still there.

Re: CK vs EQ - Different Info

MileHigh96 — Thu, 07 Oct 2021 16:02:29 GMT

As was already stated, sites like CK and Wallet Hub seem to sometimes be nearly instantaneous with alerts about changes to your report, while the actual CRA's take their time to do an actual update.

If you were to go to annualcreditreport.com and pull your full actual report(s), I'm sure there it would show as removed. But just give it time and the EQ site will eventually update.