topic Re: Fico vs the CRA... Not adding up! in General Credit Topics

Fico vs the CRA... Not adding up!

pizza1 — Sat, 16 May 2015 01:32:58 GMT

I pulled my scores days ago and was looking thru my three report deal , and I was like... Ok good! 4 baddies dropped off! Well... Not so fast...

I got my actual TU and EQ reports in the mail, and sure enough, there they ALL are. All 23 of them. These are old baddies too, so I would think fico would have picked them up.

Why are some things good and bad not showing up on the 3 view fico report?? Why the discrepancies??

Re: Fico vs the CRA... Not adding up!

pizza1 — Mon, 18 May 2015 17:08:18 GMT

really? No one has a possible explanation here for me?

Re: Fico vs the CRA... Not adding up!

MarineVietVet — Mon, 18 May 2015 18:11:07 GMT

@pizza1 wrote:
really? No one has a possible explanation here for me?

Patience. You know sooner or later someone will give an opinion.

Re: Fico vs the CRA... Not adding up!

pizza1 — Mon, 18 May 2015 18:37:31 GMT

@MarineVietVet wrote:
@pizza1 wrote:
really? No one has a possible explanation here for me?
Patience. You know sooner or later someone will give an opinion.

I hope so, because Id really like some sort of an explanation as to the discrepancies between three view report here, and actual CR. Regardless, I sent off some disputes, hoping for a little success.

Re: Fico vs the CRA... Not adding up!

Revelate — Tue, 19 May 2015 07:03:29 GMT

@pizza1 wrote:
@MarineVietVet wrote:
@pizza1 wrote:
really? No one has a possible explanation here for me?
Patience. You know sooner or later someone will give an opinion.

I hope so, because Id really like some sort of an explanation as to the discrepancies between three view report here, and actual CR. Regardless, I sent off some disputes, hoping for a little success.

What are the dates of the mailed reports? I only ask as I just got a TU report in the mail today which had been printed 4/9... yo thanks dudes! 5 and change weeks later, seriously?

I've read of some wonkiness regarding FICO having old data compared to base reports but I've never read of FICO having substantially less data than the base report as far as accounts / derogatories go. If you sent off disputes you should've been able to see the report at least on EQ and I think TU too... if they're still there, and they weren't on the 3B report, personally I'd call FICO customer support and complain as that's busted.

Could be a software bug, could be something in the pull from the bureaus (though multiple missing the data I'm inclined to think bug), I don't have a good explanation for you other than something sounds wonky.

Re: Fico vs the CRA... Not adding up!

pizza1 — Wed, 20 May 2015 04:08:15 GMT

@Revelate wrote:
@pizza1 wrote:
@MarineVietVet wrote:
@pizza1 wrote:
really? No one has a possible explanation here for me?
Patience. You know sooner or later someone will give an opinion.

I hope so, because Id really like some sort of an explanation as to the discrepancies between three view report here, and actual CR. Regardless, I sent off some disputes, hoping for a little success.
What are the dates of the mailed reports? I only ask as I just got a TU report in the mail today which had been printed 4/9... yo thanks dudes! 5 and change weeks later, seriously?

I've read of some wonkiness regarding FICO having old data compared to base reports but I've never read of FICO having substantially less data than the base report as far as accounts / derogatories go. If you sent off disputes you should've been able to see the report at least on EQ and I think TU too... if they're still there, and they weren't on the 3B report, personally I'd call FICO customer support and complain as that's busted.

Could be a software bug, could be something in the pull from the bureaus (though multiple missing the data I'm inclined to think bug), I don't have a good explanation for you other than something sounds wonky.

Rev..Thank you so much commenting!!

I checked my reports again as well, and TU and EQ both are dated 4/7 and 4/8 respectively. But regardless, these are IIB accts that have been on my reports since 2012 as derogs. I found it odd that Fico doesnt report those few, but its on the actual credit reports. Plus my addresses have small descrepancies amongest fico reports and actual. so strange!

Re: Fico vs the CRA... Not adding up!

Revelate — Wed, 20 May 2015 06:19:01 GMT

@pizza1 wrote:
@Revelate wrote:
@pizza1 wrote:
@MarineVietVet wrote:
@pizza1 wrote:
really? No one has a possible explanation here for me?
Patience. You know sooner or later someone will give an opinion.

I hope so, because Id really like some sort of an explanation as to the discrepancies between three view report here, and actual CR. Regardless, I sent off some disputes, hoping for a little success.
What are the dates of the mailed reports? I only ask as I just got a TU report in the mail today which had been printed 4/9... yo thanks dudes! 5 and change weeks later, seriously?

I've read of some wonkiness regarding FICO having old data compared to base reports but I've never read of FICO having substantially less data than the base report as far as accounts / derogatories go. If you sent off disputes you should've been able to see the report at least on EQ and I think TU too... if they're still there, and they weren't on the 3B report, personally I'd call FICO customer support and complain as that's busted.

Could be a software bug, could be something in the pull from the bureaus (though multiple missing the data I'm inclined to think bug), I don't have a good explanation for you other than something sounds wonky.
Rev..Thank you so much commenting!!

I checked my reports again as well, and TU and EQ both are dated 4/7 and 4/8 respectively. But regardless, these are IIB accts that have been on my reports since 2012 as derogs. I found it odd that Fico doesnt report those few, but its on the actual credit reports. Plus my addresses have small descrepancies amongest fico reports and actual. so strange!

Anytime!

That sounds odd to me too with your description. I know sometimes the data parse is a little off, even on tradelines when I've pulled a 3B report so far, and addresses are probably an utter mess. If it were me I'd be talking to FICO support on it but that may be my obvious fondness for FICO consumer and hopes that they maintain a quality product. Out of curiosity, what does CK report for your TU/EQ files, are the derogs on there in which case it's something with FICO, or are they not in which case it's likely the bureau and the third party pull? I do have a discrepancy on my EQ file, it looks fine on the base report, but all the positive payment history is removed both on myFICO's interface and on CK's too on my old BOFA card that had the 30 / 30 / 60 lates on it... figures it'd be the pretty OK's that are missing with my luck!

I was planning to pull a 3B report as soon as my last couple balances update prior to tossing in the mortgage app (assuming I'm still employed by noon tomorrow haha oh well it's just a job) and if I spot anything off will let you know as well.

ETA: oi vey, 11K! Reading a thread in CC forum earlier there may be something very wrong when my post count is higher than my largest CL

Re: Fico vs the CRA... Not adding up!

Anonymous — Wed, 20 May 2015 06:42:20 GMT

I've pulled reports also and found nothing out of the ordinary except hubby's multiple names. He uses his middle name. I found that copying your report and faxing it to them gets the best results and the quickest. Fax the CRA's. Anything you believe should be off, I would remind them of that nicely. You catch more flies with honey than with vinegar. Hard for me to do but still trying. A few years ago I did all of that & got the results I wanted pretty darn fast. I would also check CK's site to see what they're reporting. I do a check constantly. Never trust em. Good luck.

Re: Fico vs the CRA... Not adding up!

takeshi74 — Wed, 20 May 2015 12:11:48 GMT

@pizza1 wrote:
really? No one has a possible explanation here for me?

Threads about issues with services are pretty common around here. Your credit reports are the official record so what myFICO has for you should match. Contact them and have them look into it.

Re: Fico vs the CRA... Not adding up!

pizza1 — Wed, 20 May 2015 12:57:29 GMT

@Revelate wrote:
@pizza1 wrote:
@Revelate wrote:
@pizza1 wrote:
@MarineVietVet wrote:
@pizza1 wrote:
really? No one has a possible explanation here for me?
Patience. You know sooner or later someone will give an opinion.

I hope so, because Id really like some sort of an explanation as to the discrepancies between three view report here, and actual CR. Regardless, I sent off some disputes, hoping for a little success.
What are the dates of the mailed reports? I only ask as I just got a TU report in the mail today which had been printed 4/9... yo thanks dudes! 5 and change weeks later, seriously?

I've read of some wonkiness regarding FICO having old data compared to base reports but I've never read of FICO having substantially less data than the base report as far as accounts / derogatories go. If you sent off disputes you should've been able to see the report at least on EQ and I think TU too... if they're still there, and they weren't on the 3B report, personally I'd call FICO customer support and complain as that's busted.

Could be a software bug, could be something in the pull from the bureaus (though multiple missing the data I'm inclined to think bug), I don't have a good explanation for you other than something sounds wonky.
Rev..Thank you so much commenting!!

I checked my reports again as well, and TU and EQ both are dated 4/7 and 4/8 respectively. But regardless, these are IIB accts that have been on my reports since 2012 as derogs. I found it odd that Fico doesnt report those few, but its on the actual credit reports. Plus my addresses have small descrepancies amongest fico reports and actual. so strange!
Anytime!

That sounds odd to me too with your description. I know sometimes the data parse is a little off, even on tradelines when I've pulled a 3B report so far, and addresses are probably an utter mess. If it were me I'd be talking to FICO support on it but that may be my obvious fondness for FICO consumer and hopes that they maintain a quality product. Out of curiosity, what does CK report for your TU/EQ files, are the derogs on there in which case it's something with FICO, or are they not in which case it's likely the bureau and the third party pull? I do have a discrepancy on my EQ file, it looks fine on the base report, but all the positive payment history is removed both on myFICO's interface and on CK's too on my old BOFA card that had the 30 / 30 / 60 lates on it... figures it'd be the pretty OK's that are missing with my luck!

I was planning to pull a 3B report as soon as my last couple balances update prior to tossing in the mortgage app (assuming I'm still employed by noon tomorrow haha oh well it's just a job) and if I spot anything off will let you know as well.

ETA: oi vey, 11K! Reading a thread in CC forum earlier there may be something very wrong when my post count is higher than my largest CL

@Anonymous @ your $11k comment, hahahah..

I dont subscribe to any CM. Im so weird about that, I guess I dont wantthem to have my SSN, so I pay $60 for the 3B every couple months. I also partly dont have CM because im so overwhelmed with all the different place to subscribe too!! I dont know which one is best.

Another thing...Since FICO scores you off what they see on the reports, or (their reports), wonder what my scores would be if those derogs suddenly appreared on the FICO reports that are missing?? would I see a drop?

Re: Fico vs the CRA... Not adding up!

Revelate — Thu, 21 May 2015 03:39:39 GMT

@pizza1 wrote:
@Revelate wrote:
@pizza1 wrote:
@Revelate wrote:
@pizza1 wrote:
@MarineVietVet wrote:
@pizza1 wrote:
really? No one has a possible explanation here for me?
Patience. You know sooner or later someone will give an opinion.

I hope so, because Id really like some sort of an explanation as to the discrepancies between three view report here, and actual CR. Regardless, I sent off some disputes, hoping for a little success.
What are the dates of the mailed reports? I only ask as I just got a TU report in the mail today which had been printed 4/9... yo thanks dudes! 5 and change weeks later, seriously?

I've read of some wonkiness regarding FICO having old data compared to base reports but I've never read of FICO having substantially less data than the base report as far as accounts / derogatories go. If you sent off disputes you should've been able to see the report at least on EQ and I think TU too... if they're still there, and they weren't on the 3B report, personally I'd call FICO customer support and complain as that's busted.

Could be a software bug, could be something in the pull from the bureaus (though multiple missing the data I'm inclined to think bug), I don't have a good explanation for you other than something sounds wonky.
Rev..Thank you so much commenting!!

I checked my reports again as well, and TU and EQ both are dated 4/7 and 4/8 respectively. But regardless, these are IIB accts that have been on my reports since 2012 as derogs. I found it odd that Fico doesnt report those few, but its on the actual credit reports. Plus my addresses have small descrepancies amongest fico reports and actual. so strange!
Anytime!

That sounds odd to me too with your description. I know sometimes the data parse is a little off, even on tradelines when I've pulled a 3B report so far, and addresses are probably an utter mess. If it were me I'd be talking to FICO support on it but that may be my obvious fondness for FICO consumer and hopes that they maintain a quality product. Out of curiosity, what does CK report for your TU/EQ files, are the derogs on there in which case it's something with FICO, or are they not in which case it's likely the bureau and the third party pull? I do have a discrepancy on my EQ file, it looks fine on the base report, but all the positive payment history is removed both on myFICO's interface and on CK's too on my old BOFA card that had the 30 / 30 / 60 lates on it... figures it'd be the pretty OK's that are missing with my luck!

I was planning to pull a 3B report as soon as my last couple balances update prior to tossing in the mortgage app (assuming I'm still employed by noon tomorrow haha oh well it's just a job) and if I spot anything off will let you know as well.

ETA: oi vey, 11K! Reading a thread in CC forum earlier there may be something very wrong when my post count is higher than my largest CL
@Anonymous @ your $11k comment, hahahah..

I dont subscribe to any CM. Im so weird about that, I guess I dont wantthem to have my SSN, so I pay $60 for the 3B every couple months. I also partly dont have CM because im so overwhelmed with all the different place to subscribe too!! I dont know which one is best.

Another thing...Since FICO scores you off what they see on the reports, or (their reports), wonder what my scores would be if those derogs suddenly appreared on the FICO reports that are missing?? would I see a drop?

I'm nearly 100% confident with the way things are setup that the score is the real deal (i.e. scored from the base report that the bureaus have) and the report displayed here is a seperate data parse.

It's an interesting question but given the pricing model involved, it's almost assuredly going through the bureaus with the algorithm license payment going back to FICO business... and it's unlikely that FICO would setup the infrastructure to score a consumer's report on the fly like that for a number of reasons. Doesn't make sense for a service they're not going to make a tremendous amount of money on, better to just leverage the CRA's infrastructure on it with some negotiated discounted rate for the pull/score.