topic Re: HELP! My myFICO Credit Mix reporting is WILD?! in General Credit Topics

HELP! My myFICO Credit Mix reporting is WILD?!

LP007 — Mon, 15 Nov 2021 18:58:44 GMT

All my credit mixes say something different. Who knows how to fix this?

I only suspect Amex is not reporting my GC to EQ & TU. But why?...it's reporting my BCE.

Revolving Accounts 4

Installment Loans, Including Mortgages 8

Bank-Issued Credit Card Accounts 4

Revolving Accounts 4

Installment Loans, Including Mortgages 8

Bank-Issued Credit Card Accounts 3

Revolving Accounts 5

Installment Loans, Including Mortgages 6

Bank-Issued Credit Card Accounts 5

Re: HELP! My myFICO Credit Mix reporting is WILD?!

Anonymous — Wed, 17 Nov 2021 16:37:47 GMT

You should pull your reports from annualcreditreport.com and confirm which accounts are reporting. Some lenders don't report to all bureaus, if they aren't reporting to a bureau you could request that they report, but there is no guarantee that they will. Lenders are only required to report accurate information when reporting, not required to actually report.

Re: HELP! My myFICO Credit Mix reporting is WILD?!

cashorcharge — Thu, 18 Nov 2021 22:03:28 GMT

The other thing I would add is that MyFICO is a snapshot at any one time and while your score changes are updated if you're paying for that service, the details are not necessarily in real time. FI's may report to all three but not at the same time so you may see days in lapse from reporting at one to the other. It takes some doing to understand your statement date and then how many days later the associated reporting occurs.

Additionally, I have found that closed accounts may not be stated/reported as closed at the same time or even retained on all three reports for the same amount of time and even then, I have some that continue to report after they shouldn't based on years since closed. All that being said, it doesn't necessarily mean "inaccuracies" but "anomalys" between the three.

Pulling them directly from the CB or AnnualCreditReport will allow you to go line by line to compare

Re: HELP! My myFICO Credit Mix reporting is WILD?!

SouthJamaica — Fri, 19 Nov 2021 20:41:18 GMT

@LP007 wrote:
All my credit mixes say something different. Who knows how to fix this?
I only suspect Amex is not reporting my GC to EQ & TU. But why?...it's reporting my BCE.

EQ
Revolving Accounts 4
Installment Loans, Including Mortgages 8
Bank-Issued Credit Card Accounts 4

TU
Revolving Accounts 4
Installment Loans, Including Mortgages 8
Bank-Issued Credit Card Accounts 3

EX
Revolving Accounts 5
Installment Loans, Including Mortgages 6
Bank-Issued Credit Card Accounts 5

You shouldn't be 'suspecting' anything, you should be looking at your 3 reports to see what they're saying.

Re: HELP! My myFICO Credit Mix reporting is WILD?!

LP007 — Fri, 19 Nov 2021 23:39:53 GMT

@SouthJamaica wrote:
@LP007 wrote:
All my credit mixes say something different. Who knows how to fix this?
I only suspect Amex is not reporting my GC to EQ & TU. But why?...it's reporting my BCE.

EQ
Revolving Accounts 4
Installment Loans, Including Mortgages 8
Bank-Issued Credit Card Accounts 4

TU
Revolving Accounts 4
Installment Loans, Including Mortgages 8
Bank-Issued Credit Card Accounts 3

EX
Revolving Accounts 5
Installment Loans, Including Mortgages 6
Bank-Issued Credit Card Accounts 5

You shouldn't be 'suspecting' anything, you should be looking at your 3 reports to see what they're saying.

You tell 'em! I AM going to pull my free...wait, is this for real?

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