topic Re: Public Record in Understanding FICO® Scoring

Public Record

ktl55 — Tue, 01 May 2007 18:01:05 GMT

I was disecting my Exp Fico Score report and I noticed that under "what's hurting you Fico Score" it says "you have a public record AND collection on your credit repot" then when I go to the section that list "public records" it says "you have no public records". I have never had a BK, tax lein, judgement or any or any other public record in my entire life. Why is this report saying such a thing. BTW - this is the only report that has that line.

Re: Public Record

Anonymous — Tue, 01 May 2007 18:04:18 GMT

try updating your report by clicking on the "get your new updated report for free" tab in the upper right hand corner of your Experian. I have have that the messages and such are updated but the report and it's contents remain the same from the last date that you updated it. Check that out to see if anything new has hit your report.

Re: Public Record

Anonymous — Tue, 01 May 2007 18:05:00 GMT

I'm sorry the upper left hand corner of Experian.

Re: Public Record

ktl55 — Tue, 01 May 2007 18:07:42 GMT

it's on myfico score (this website) report and if I update I will have to pay for it. I didn't want to do that until all my investigations are complete. BUT if this isn't something I have to worry about then I'll leave it be for now.Thanks

Re: Public Record

Anonymous — Tue, 01 May 2007 18:13:14 GMT

have you tried freecreditreport.com or truecredit.com. These are free for the first 30 days but you can opt out of them once you've checked it out. If it showed on Experian than go to freecreditreport.com

Re: Public Record

ktl55 — Tue, 01 May 2007 18:16:53 GMT

It doesn't show anywhere except on myfico.com. I have Exp, Equ and TU which I update every 24 hours. I've have all the free services............lol Plus those sites don't give actual fico score and that is the only number I'm interested in.....lol Thanks

Re: Public Record

Anonymous — Tue, 01 May 2007 18:37:45 GMT

that is very bizzare, I would try calling MyFico and see if they can explain it.

Re: Public Record

Tuscani — Tue, 01 May 2007 18:52:07 GMT

I have heard of this issue before.. I am not entirely sure why it happens or if it evens hurts you.

Maybe Barry can chime in.

Re: Public Record

ktl55 — Tue, 01 May 2007 19:00:14 GMT

It's really weird. As long as it doesn't hurt me then I guess I won't worry about it. Lets see what Barry has to say.............if he reads this post.

Re: Public Record

Tuscani — Tue, 01 May 2007 19:03:53 GMT

My guess is you are ok as long as it does not show up under negative info.

Re: Public Record

ktl55 — Tue, 01 May 2007 19:05:54 GMT

that's what's weird because under public records it clearly says "you have no public records" and this is only with the score report I get from myfico.

Re: Public Record

Barry — Sat, 05 May 2007 20:36:22 GMT

ktl55 wrote:

I was disecting my Exp Fico Score report and I noticed that under "what's hurting you Fico Score" it says "you have a public record AND collection on your credit repot" then when I go to the section that list "public records" it says "you have no public records". I have never had a BK, tax lein, judgement or any or any other public record in my entire life. Why is this report saying such a thing. BTW - this is the only report that has that line.

ktl55,

You've uncovered an error in the new myFICO report format. It should have said "You have a public record OR collection on your credit report.

As with the revolving utilization text error pointed out elsewhere here, the fix for this text error is scheduled to be implemented very soon as a high priority.

Sorry for the confusion. I'll let the community know when these fixes takes place and if you contact me via PM I'll provide you with a complimentary updated report and score.

Thanks,

Barry