https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Need-Help-Understanding-my-FICO-Score/m-p/560350#M40309 <P>I need some guidance trying to understand what is going on with my TU FICO score.&nbsp; I'll give a brief background of my situation in case that may help someone understand what is going on.</P><P>&nbsp;</P><P>I filed C13 in Dec 04.&nbsp; I had NEVER had a late payment to anyone up until the day the BK was filed, or since.&nbsp; The C13 was completed with all Trustee payments made on time, every time, and discharge was rec'd in Apr 08.</P><P>&nbsp;</P><P>I began trying to get things back on track CR &amp; scoring-wise after I rec'd my discharge.&nbsp; There were a number of errors on my reports.&nbsp; I disputed the obvious mistakes and now, over a year later, the current reports seem (to me) to be reporting fairly accurately.&nbsp; All accounts that were involved in the BK are reporting as zero balance and IIB, as they should be.&nbsp; Since the BK discharge I have obtained a modest auto loan and have been paying faithfully on it since May 08 as well as a CC which is kept at a low or no balance.</P><P>&nbsp;</P><P>My EQ FICO is (as of yesterday) reporting 681, which is a nice improvement from a year ago.&nbsp; The problem is, my TU is reported to be 595, which is not good and is about the same as it was a year ago.&nbsp; The FICO&nbsp; report understandably lists the BK as the #1 factor hurting my score.&nbsp; The #2 thing hurting my score, according to the report, is that it says I have 7 accounts that are late by 60 days or more, with the most receint late payment happening 0 months ago.&nbsp;</P><P>&nbsp;</P><P>This is NOT correct.&nbsp; The detailed account information listed in the FICO reports shows nothing with a past due balance or being late; nothing in the history that shows any accounts ever being late, etc.</P><P>&nbsp;</P><P>I pulled the full report from TU and it matches the FICO report as far as the above items are concerned.&nbsp; So, I just don't understand why the FICO score is indicating I have numerous late accounts/payments and the score is almost a full 100 points lower than my EQ score.</P><P>&nbsp;</P><P>Any insight would be very much appreciated! &nbsp;</P> Sat, 22 Aug 2009 18:02:22 GMT Anonymous 2009-08-22T18:02:22Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Need-Help-Understanding-my-FICO-Score/m-p/560350#M40309 <P>I need some guidance trying to understand what is going on with my TU FICO score.&nbsp; I'll give a brief background of my situation in case that may help someone understand what is going on.</P><P>&nbsp;</P><P>I filed C13 in Dec 04.&nbsp; I had NEVER had a late payment to anyone up until the day the BK was filed, or since.&nbsp; The C13 was completed with all Trustee payments made on time, every time, and discharge was rec'd in Apr 08.</P><P>&nbsp;</P><P>I began trying to get things back on track CR &amp; scoring-wise after I rec'd my discharge.&nbsp; There were a number of errors on my reports.&nbsp; I disputed the obvious mistakes and now, over a year later, the current reports seem (to me) to be reporting fairly accurately.&nbsp; All accounts that were involved in the BK are reporting as zero balance and IIB, as they should be.&nbsp; Since the BK discharge I have obtained a modest auto loan and have been paying faithfully on it since May 08 as well as a CC which is kept at a low or no balance.</P><P>&nbsp;</P><P>My EQ FICO is (as of yesterday) reporting 681, which is a nice improvement from a year ago.&nbsp; The problem is, my TU is reported to be 595, which is not good and is about the same as it was a year ago.&nbsp; The FICO&nbsp; report understandably lists the BK as the #1 factor hurting my score.&nbsp; The #2 thing hurting my score, according to the report, is that it says I have 7 accounts that are late by 60 days or more, with the most receint late payment happening 0 months ago.&nbsp;</P><P>&nbsp;</P><P>This is NOT correct.&nbsp; The detailed account information listed in the FICO reports shows nothing with a past due balance or being late; nothing in the history that shows any accounts ever being late, etc.</P><P>&nbsp;</P><P>I pulled the full report from TU and it matches the FICO report as far as the above items are concerned.&nbsp; So, I just don't understand why the FICO score is indicating I have numerous late accounts/payments and the score is almost a full 100 points lower than my EQ score.</P><P>&nbsp;</P><P>Any insight would be very much appreciated! &nbsp;</P> Sat, 22 Aug 2009 18:02:22 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Need-Help-Understanding-my-FICO-Score/m-p/560350#M40309 Anonymous 2009-08-22T18:02:22Z