Experian - Last Activity Not Available on FICO 3B

Anonymous — Wed, 26 Aug 2015 14:18:57 GMT

I'm running through my reports from MyFico (My 3B reports)

I've noticed that that when I review the "Negative Factors" section of FICO SCORE, I see " There are no recent balances on your revolving credit accounts"

I know this is not correct and don't get that message for EQ or TU, although they all have the same tradelines reporting.

When I review the 3 CRA view for this account, the following differences appear in the way they're reported:

Last Activity:

EQ and TU: Aug, 15

EX: Not Available

Status:

EQ and TU: Pays as agreed

EX: This account is in good standing

Worst Delinquency:

EQ and TU: None Reported

EX: No Update received

High balance, current balance, etc are reporting correct and I'm getting the green line increasing from months reported as good.... But the way it's reported in addition to the negative indicator leads me to believe it's not quite posting right.

Any suggestions? Is this something I can write a letter on and have it adjusted. I need FICO to see the Experian portion of my report similar to EQ and TU.

Re: Experian - Last Activity Not Available on FICO 3B

Revelate — Wed, 26 Aug 2015 17:57:56 GMT

From your other posts, they actually have it right; put a little balance on one card and go on with life.

The reason codes won't match between bureaus in many cases, especially if you have derogatories on file which you do.

topic Re: Experian - Last Activity Not Available on FICO 3B in Understanding FICO® Scoring

Experian - Last Activity Not Available on FICO 3B

Re: Experian - Last Activity Not Available on FICO 3B