topic Re: myFICO Equifax report vs Equifax.com discrepancy? in General Credit Topics

myFICO Equifax report vs Equifax.com discrepancy?

kawuszka007 — Tue, 16 Jul 2024 16:22:43 GMT

Hi All,

I wanted to find out if something is off on either side here. I had an account that was charged off 2 years ago and its showing correctly on equifax's direct site, but when I look at the myfico monthly report it shows different, actually shows CO for 2 consecutive months this year, which is false.

Can anyone give some input on this? TIA!!

Re: myFICO Equifax report vs Equifax.com discrepancy?

JoeRockhead — Tue, 16 Jul 2024 18:14:31 GMT

If you want to see accurate reports like when lenders pull them, go to Annual Credit Report and pull your reports from there... you can do so for free once every 7 days.

Re: myFICO Equifax report vs Equifax.com discrepancy?

RedKhaos — Fri, 26 Jul 2024 05:57:56 GMT

So on equifax, are you looking at last month's report or a new report because equifax only updates once a month? Myfico also updates the equifax report once a month, but they'll update your Equifax FICO score and relevant highlights like late payments in real time or with a day or two delay. It's possible the lates also showed up on Equifax but you just can't see it until they update the report.