topic MYFICO report doesn't match data at Experian in General Credit Topics

MYFICO report doesn't match data at Experian

Anonymous — Tue, 21 Apr 2015 21:18:46 GMT

I just pulled my 3 reports (-$50, thank you) and found some issues in my Experian report (as per myfico). So, I go into Experian ready to file an online dispute. I'm looking over the account in question, and there just isn't the data there that the myfico report is showing. For instance, myfico shows a payment history up to mar-2015 for this account, which doesn't exist at Experian. The Experian payment history ended 9 years ago. Also, myfico shows a CO on march 2015, which doesn't exist at Experian.

Is it common for the myfico reports to be inaccurate?

Re: MYFICO report doesn't match data at Experian

Anonymous — Wed, 22 Apr 2015 00:39:02 GMT

Bump! Curious myself.

Re: MYFICO report doesn't match data at Experian

pizza1 — Wed, 22 Apr 2015 03:24:26 GMT

@Anonymous wrote:
Bump! Curious myself.

I just experienced this myself!!!! Thank you for posting this OP!

Same thing..but on EQ..MYFICO said all my IIB accts updated to show delinquent for the last 2 yrs even after my dc date in 2013, (which btw is against the law, it cant update past filing date which was in may 2013!!)... and my score tanked!! I go to EQ report...and its NOT THERE. Not sure what to do either..Ill follow this thread as well, and Im doing research too, If I find out something different, Ill come here dn let you know!

Re: MYFICO report doesn't match data at Experian

takeshi74 — Wed, 22 Apr 2015 13:41:50 GMT

@Anonymous wrote:
Is it common for the myfico reports to be inaccurate?

Not sure if it is common but it does happen as prior discussions have mentioned such issues.

Re: MYFICO report doesn't match data at Experian

Anonymous — Wed, 22 Apr 2015 14:22:07 GMT

Well, if myfico want's to score imaginary data, then the scores are basically worthless for me.

Re: MYFICO report doesn't match data at Experian

CreditDunce — Wed, 22 Apr 2015 18:22:37 GMT

Could you have a split file? In a split file some data goes to one file and other data goes to the second file. When your credit report is pulled it can be random which file gets pulled. I would ask Experian to investigate the differences.

Re: MYFICO report doesn't match data at Experian

Anonymous — Wed, 22 Apr 2015 20:52:29 GMT

I've never heard of a split file, but I'll investigate. Thanks.