topic Re: Please help! in myFICO® Product Feedback

Please help!

Repo-ed — Thu, 15 Aug 2013 18:52:39 GMT

so i just received an alert that my EQ score changed from 682 to 677 due to recent late payment.

paid to pull my report and nothing has changed. no late payments showing!

what am i overlooking?

Re: Please help!

llecs — Fri, 16 Aug 2013 04:00:16 GMT

Do you have any baddies that updated within the month of August (e.g. Reported Date, DOLA change, Status as of Date)?

Re: Please help!

Repo-ed — Fri, 16 Aug 2013 11:04:41 GMT

@llecs wrote:
Do you have any baddies that updated within the month of August (e.g. Reported Date, DOLA change, Status as of Date)?

Went through my entire report, both pulled from here - and dispute initiated report through EQ directly. Nothing has changed with regards to late. Both reports (here and there) show 0 accounts late ever

What HAS changed is that it says (when comparing me to FICO high achievers) that my last late pmt was 3 years 4 months ago. When the only derog I have my report is the repo reporting from 2007, but its actual entry shows last payment 05/2008 at which point it was CO'd.

This is both freaking me out and driving me nuts.

Re: Please help!

pizzadude — Fri, 16 Aug 2013 12:36:52 GMT

@Repo-ed wrote:
@llecs wrote:
Do you have any baddies that updated within the month of August (e.g. Reported Date, DOLA change, Status as of Date)?
Went through my entire report, both pulled from here - and dispute initiated report through EQ directly. Nothing has changed with regards to late. Both reports (here and there) show 0 accounts late ever

What HAS changed is that it says (when comparing me to FICO high achievers) that my last late pmt was 3 years 4 months ago. When the only derog I have my report is the repo reporting from 2007, but its actual entry shows last payment 05/2008 at which point it was CO'd.

This is both freaking me out and driving me nuts.

Perhaps you've been re~bucketed ?? Maybe your derog aged past a certain point and you were moved into a different FICO scoring bucket.

Re: Please help!

Repo-ed — Fri, 16 Aug 2013 22:26:08 GMT

I guess that is possible, but wondering how EQ has changed my date of last DEQ from 5 years ago to 3 years ago with no change in the actual report.

Re: Please help!

pizzadude — Fri, 16 Aug 2013 23:04:19 GMT

@Repo-ed wrote:
I guess that is possible, but wondering how EQ has changed my date of last DEQ from 5 years ago to 3 years ago with no change in the actual report.

No idea. Might be worth pulling the complete report from Equifax just to make sure that nothing really changed.

Re: Please help!

Repo-ed — Sat, 17 Aug 2013 09:39:10 GMT

@pizzadude wrote:
@Repo-ed wrote:
I guess that is possible, but wondering how EQ has changed my date of last DEQ from 5 years ago to 3 years ago with no change in the actual report.
No idea. Might be worth pulling the complete report from Equifax just to make sure that nothing really changed.

Think I may do just that - thanks