topic Re: Question Or Explanation EQ/MyFico EQ different reporting ? in Rebuilding Your Credit

Question Or Explanation EQ/MyFico EQ different reporting ?

NY2014 — Sat, 19 Apr 2014 21:54:56 GMT

I have a Question regarding two different reports on my credit
I pull my credit anytime with Exquifax membership report and I have MyFico Monitoring , Experian website , and trans union , all monthly membership, apparently all scores are different from here myfico .my scored are different at least a 40 points different from EQ compare to EQ myfico .my TU on My fico is 40 pts higher than TU website membership .my Experian well I don't bother to spend any more money after looking at these two compared ." But my main Question is ' EQ reports is different pulled same time I have only two inquiries in that report .my fico only shows One ? I'm lost ? And one of my accounts collection which I'm dispute different amount # example owe $636 amount due $704 .this is a charge off with also changed when I disputed with the OC amount charged off 300 and later they adjusted this to $636 to match the adjustment with the collection agency can they do that and last a month ago have 3 collections on my reporting on the same debt . Two OC same debt one collection agency reporting same debt .but listing there account # not the original creditors which makes it very difficult to dispute any of this or make heads or tails why? And who's reporting I contacted and disputed both creditors but they can't find the account . The CA we'll that's another story I'm disputing
But as I said why is the reporting fifer rent and not reporting both inquiries and not the same
Any input any of you wonderful Gurus
Thanks

Re: Question Or Explanation EQ/MyFico EQ different reporting ?

Shogun — Sun, 20 Apr 2014 07:21:33 GMT

The scores on those would be different. The scores you get from EQ and TU directly use their scoring methods, not FICO's. They sell them because they make more money that way, they don't have to pay FICO for their scoring algorithms.

as far as the Inqs, we're they both HPs? The FICO CR is a 3rd party and won't show SPs.

Re: Question Or Explanation EQ/MyFico EQ different reporting ?

NY2014 — Sun, 20 Apr 2014 07:44:02 GMT

Both hard pulls I was disputing one for over 2months due fraudulent inquiries through EQ
It's very interesting how EQ operates I filed a police report and they still won't delete it sent copied and docs they just keep saying go back and get the creditor to remove I guess I have to file another complaint . I'm wished I never signed up to Exquifax very poor customer service have no trouble with TU or Experian EQ worst to deal with
Anyways thanks
Shogun very much appreciate yours and everyone's response it sure helps

Re: Question Or Explanation EQ/MyFico EQ different reporting ?

Shogun — Sun, 20 Apr 2014 12:58:48 GMT

If you've filled out a fraud affidavit and sent it in and they still won't remove it, file a complaint with the CFPB.