topic Re: Missing info on EX and EQ in General Credit Topics

Missing info on EX and EQ

Anonymous — Sun, 28 Oct 2007 14:58:17 GMT

So as you can see from the scores below there is a lot of variance. TU is the only CRA that actually has reported all of my account info. EX and EQ on the other hand are missing a great deal of payment history etc.

is it worth it to ask them to fix this? I mean in the account summary sections it looks like they have the open date, balances, and CL parts correct just the payment histories are showing as unknown.

PS how long before inquires stop being counted? is it one year or two? EQ has 6 inquires because creditors hit them twice for some reason.

TIA

Re: Missing info on EX and EQ

haulingthescoreup — Sun, 28 Oct 2007 15:40:07 GMT

OK, first the mandatory sermon about FAKO vs FIKO scores: you really don't know what you're working with until you have a set of your real scores. Some actions that help your FAKO's hurt your FICO's, and vice versa. My FAKO's are EQ 721 - TU 660 - EX 648. See my sig line below to see how crazy that is. Even the PFICO is probably different from the underlying classic TU FICO. If you can afford it, it's worth a one-time splurge to know where you're starting from. Be sure to Google FICO discount code or FICO promo code for savings. You'll find at least 10% off.

*Surprise, just noticed that they have renamed and consolidated a lot of the products here! Looks like if you pull all three, you will be using something now called FICO® Credit Complete.* So you may not find a coupon for this exact name.

Inqs: they show for 24 months, and they are counted for 12 months, but they count a little less between 7 and 12 months.

Missing account info: it's hard to tell what is not showing from your post. I have TrueCredit, and Equifax doesn't display the line of green squares, only the yellows, alas. But the data is actually there, and when I click "More about this account", it shows the dates of the most recent updates. EX and TU show the actual dates; EQ just shows month/ year. (TC and EQ have Issues.) I do have one account that only EX is displaying as current, so I did a dispute from the FICO reports to ask that they report. I just printed them out, so we'll see how it goes.

Re: Missing info on EX and EQ

Anonymous — Sun, 28 Oct 2007 15:52:02 GMT

Thanks for the insight on the inq's.

This could also have a + impact on my scores next month.

I have 2 falling off, 24 months old

2 moving into month 13 category

1 moving into month 7 category

Hope that this will give me a point or two and one of them shoot offset my Hooters inq on 10/21

Re: Missing info on EX and EQ

Anonymous — Sun, 28 Oct 2007 15:59:43 GMT

@haulingthescoreup wrote:
OK, first the mandatory sermon about FAKO vs FIKO scores: you really don't know what you're working with until you have a set of your real scores. Some actions that help your FAKO's hurt your FICO's, and vice versa. My FAKO's are EQ 721 - TU 660 - EX 648. See my sig line below to see how crazy that is. Even the PFICO is probably different from the underlying classic TU FICO. If you can afford it, it's worth a one-time splurge to know where you're starting from. Be sure to Google FICO discount code or FICO promo code for savings. You'll find at least 10% off.

*Surprise, just noticed that they have renamed and consolidated a lot of the products here! Looks like if you pull all three, you will be using something now called FICO® Credit Complete.* So you may not find a coupon for this exact name.

Inqs: they show for 24 months, and they are counted for 12 months, but they count a little less between 7 and 12 months.

Missing account info: it's hard to tell what is not showing from your post. I have TrueCredit, and Equifax doesn't display the line of green squares, only the yellows, alas. But the data is actually there, and when I click "More about this account", it shows the dates of the most recent updates. EX and TU show the actual dates; EQ just shows month/ year. (TC and EQ have Issues.) I do have one account that only EX is displaying as current, so I did a dispute from the FICO reports to ask that they report. I just printed them out, so we'll see how it goes.

I am using privacy matters. It's the squares that are missing it just... blank for most of my TLs on EQ and EX.

As for the FICOs, i'm a lowly grad student, and i really can't afford to buy them right now.

so i'm gathering from your post that these squares not showing is not a problem and so as long as the accounts are listed as currently updated i should just leave it?

Re: Missing info on EX and EQ

haulingthescoreup — Sun, 28 Oct 2007 16:13:32 GMT

edit: this was replying to busywoman.

I bet it will. The two falling off completely won't change your scores--they will just stop alarming future lenders. But you'll get something from the 2 going over one year, and the 1 going over 6 months. You ought to be having some VERY cool score bumps when everything finally hits!

The other weird thing about inqs is that, as best as I can tell, each score only counts the hard inqs done on its CRA. I have a total of 4 active inqs, but EQ only counts 2, EX only counts 1, and TU only counts 1. So if you really, really have to apply for something, and you know which report it pulls, you can see how many inqs they will see.

Message Edited by haulingthescoreup on 10-28-2007 09:13 AM

Re: Missing info on EX and EQ

haulingthescoreup — Sun, 28 Oct 2007 16:12:11 GMT

@Anonymous wrote:
I am using privacy matters. It's the squares that are missing it just... blank for most of my TLs on EQ and EX.

As for the FICOs, i'm a lowly grad student, and i really can't afford to buy them right now.

so i'm gathering from your post that these squares not showing is not a problem and so as long as the accounts are listed as currently updated i should just leave it?

As long as each one shows a current date, you should be good.

I've got a couple of starving students in the family, too--I hear you. Just so you're aware that you shouldn't consider the scores and ESPECIALLY the advice that comes with them when you're making decisions. The credit reports are all you really need until you know that it's time to apply for something. And really, since you seem to have stable credit histories and good payment patterns, you'll probably be OK. Good idea to pull FICO's 6 months before a mortgage, but otherwise in your case, it would mainly be for curiosity's sake.

Re: Missing info on EX and EQ

Anonymous — Sun, 28 Oct 2007 19:11:20 GMT

cool thanks!

Re: Missing info on EX and EQ

Anonymous — Sun, 28 Oct 2007 19:18:36 GMT

I got it now Hauling - thanks for the inq education.

I definately wan't to stop the "alarms" from sounding for future lenders.

So based on your msg in Nov I will have :

2 going over one year (1 x TU, 1 x EX)

1 going over one mo (1 x TU)

I have another EX that will go over one year in Jan.

Hopefully I can get this all together in the next 4 months when I need to start mortgage pre-qualification.

I might be considered dangerous with all of this info ............

Re: Missing info on EX and EQ

haulingthescoreup — Sun, 28 Oct 2007 19:47:59 GMT

You'll need to wear that French-cut suit with the Italian leather high heels, carrying the ever-so-slim leather portfolio holding all your credit weaponry! They'll surrender the moment you'll walk in the door.

Re: Missing info on EX and EQ

Anonymous — Sun, 28 Oct 2007 19:51:49 GMT

Indeed - hopefully another biz trip to Europe is on the horizon for a shopping spree (only kidding about the spree given the EURO/USD roe these days).....

I'm better off going to Asia. All of my suits were tailored there so I can spend more in Italy on shoes ......

Re: Missing info on EX and EQ

haulingthescoreup — Sun, 28 Oct 2007 20:59:08 GMT

@Anonymous wrote:
Indeed - hopefully another biz trip to Europe is on the horizon for a shopping spree (only kidding about the spree given the EURO/USD roe these days).....

I'm better off going to Asia. All of my suits were tailored there so I can spend more in Italy on shoes ......

Goodness! And I was being facetious! Well, with all that, you might walk out owning the bank!

Happy travels! Do you go to Thailand, btw? I love Thailand, although I always got dysentery when I was there.

Re: Missing info on EX and EQ

Anonymous — Sun, 28 Oct 2007 22:22:47 GMT

Oops, I thought you were serious........ I spend a great deal of time traveling internationally for my job.

Fortunately this is how I do most of my shopping. Should have probably spent more time on my credit but I'm focusing on it now.

Yes, I've been to Thailand and love it ! A lot of people end up sick during or after traveling there. No surprise to you since you've been there.

Re: Missing info on EX and EQ

haulingthescoreup — Sun, 28 Oct 2007 22:27:28 GMT

It has been over 30 years since I've been there, but I still remember the open-air markets with the unset jewels and raw Thai silk... Don't know if that's still going on, but if I can ever find a city with canals, I'm moving! I cringe when I read about the sex trade and HIV rates and all, but Bangkok is still one of my favorite cities.

Re: Missing info on EX and EQ

Anonymous — Sun, 28 Oct 2007 22:31:14 GMT

It probably hasn't changed too much. I love the open-air markets as well as the floating markets.

It's a scary place to travel to as a single female. I've only been for business but would love to go back on a holiday some day.