topic Re: myFico - Experian is Different than experian.com in Rebuilding Your Credit

myFico - Experian is Different than experian.com

Anonymous — Wed, 20 May 2020 04:52:57 GMT

On my Report on MyFico i show a 30 day late in September of 2013 .. however it ONLY shows on experian (images below). So i was going to go to Experian and request an early exclusion, but to my surprise when viewing info on experian.com it shows the account was paid in full never late (image below).

So that kinda rules out asking for early exclusion bc it isnt on experian, any idea why it is showing on myFico.com?

Possible they may have excluded it already and myFico didnt pick it up since my last 3B report was pulled on 5/1/2020

From MyFico.com

From Experian.com

Also from Experian.com

Re: myFico - Experian is Different than experian.com

AllZero — Wed, 20 May 2020 04:57:57 GMT

Get the full report at AnnualCreditReport. Free weekly 3 bureau online reports through April 2021.

Re: myFico - Experian is Different than experian.com

thornback — Wed, 20 May 2020 04:58:32 GMT

@Anonymous wrote:

Possible they may have excluded it already and myFico didnt pick it up since my last 3B report was pulled on 5/1/2020

Possible. Experian is known to exclude negatives a few months early (usually 3 months) on its own so it's possible it's been removed in the last few days and myFICO's alert system hasn't picked up on the change yet.

So.... Congrats!?

Re: myFico - Experian is Different than experian.com

thornback — Wed, 20 May 2020 05:01:52 GMT

@AllZero wrote:
Get the full report at AnnualCreditReport. Free weekly 3 bureau online reports through April 2021.

Yes - good way to confirm --- though that screen shot from Experian.com looks like the full report (identical to ACR), not the web-version of EX.

Re: myFico - Experian is Different than experian.com

Anonymous — Wed, 20 May 2020 05:05:36 GMT

just did that .. still no clue why myFico lists it as a potentially negative. Wouldnt that impact scoring (or at least keep the card dirty - once Ally removes my other baddies)

Re: myFico - Experian is Different than experian.com

Anonymous — Wed, 20 May 2020 05:04:18 GMT

thats what i am hoping ... i thought experian was only 1 month early though ... but i THIN K i am still happy .... the ONLY baddie left will be from Sears/Citibank and was a single 30 day in 2018 .... other than that it just utilization penalties

Re: myFico - Experian is Different than experian.com

thornback — Wed, 20 May 2020 05:10:11 GMT

@Anonymous wrote:
just did that .. still no clue why myFico lists it as a potentially negative. Wouldnt that impact scoring (or at least keep the card dirty - once Ally removes my other baddies)

Yes - all negatives impact scoring.

myFICO is often delayed in recognizing and alerting to changes on your reports. If EX just removed it in the last day or so, then myFICO may not alert you for another day or so -- that is, if the removal is considered an "alertable event" - i think it would be but not 100% sure. If it's not an alertable event, then you won't get a score update til either an alertable event occurs, or until a new 3B report is pulled. And even if/when you get a score update, the report on myFICO will continue to show the delinquency because an updated score doesn't result in a new credit report pull... so the old report will still show (with the negative) along with the new score - until a new 3B report is generated.

Don't worry, myFICO will catch up eventually.

Re: myFico - Experian is Different than experian.com

thornback — Wed, 20 May 2020 05:13:29 GMT

@Anonymous wrote:
thats what i am hoping ... i thought experian was only 1 month early though ... but i THIN K i am still happy .... the ONLY baddie left will be from Sears/Citibank and was a single 30 day in 2018 .... other than that it just utilization penalties

You've got them twisted: EQ is only 1 month early. EX is 3 months, TU is 6 months.

And since reports pulled from both Experian and ACR are showing the late payment removed -- it's been removed. it's myFICO that's lagging in updating.

Go ahead and be happy - Congrats again!!

Re: myFico - Experian is Different than experian.com

Anonymous — Wed, 20 May 2020 05:11:58 GMT

the account last updated on experian from annualcreditreport is October 3rd 2018 as well. so my question is why is myfico picking up the baddie if it isnt on experian and hasnt been since at least october 2018 (when it was last updated).. and how do i get myFico to reflect that ..... i gotta assume it is also imparting a SMALL less than 1 point penalty.

Re: myFico - Experian is Different than experian.com

AllZero — Wed, 20 May 2020 05:15:05 GMT

I don't have an answer to your question. However, congratulations!

Re: myFico - Experian is Different than experian.com

Anonymous — Wed, 20 May 2020 05:16:08 GMT

buhahahaha thanks @AllZero

Re: myFico - Experian is Different than experian.com

thornback — Wed, 20 May 2020 05:20:23 GMT

@Anonymous wrote:
the account last updated on experian from annualcreditreport is October 3rd 2018 as well. so my question is why is myfico picking up the baddie if it isnt on experian and hasnt been since at least october 2018 (when it was last updated).. and how do i get myFico to reflect that ..... i gotta assume it is also imparting a SMALL less than 1 point penalty.

Status updated on 10/2018 doesn't mean that is when the lates were excluded. If Experian removed the lates because they reached their 7 year mark, then they wouldn't have updated the 'status updated' date.

The status updated date reflects when the creditor last submitted an update (and it appears that update was the closing of the account).

Re: myFico - Experian is Different than experian.com

Anonymous — Wed, 20 May 2020 05:22:27 GMT

So does the first image mean that they updated ONLY EQ and TU in January ... just strange that it is ONLY showing on MyFico EX still (and has been that way for a while) and no on any other reports nor on EX on Experian.com or annualCreditReport .... So its not on experian's report but is on myFico and I really have no clue why .. figure it out later

Re: myFico - Experian is Different than experian.com

thornback — Wed, 20 May 2020 05:23:59 GMT

I have a Q:

Were you ever actually late on this account? Did a late payment ever exist?

I'm confused on whether you're saying that no late payment ever existed and myFICO is showing that one did....

Or if you're saying that a late payment did exist and now it's gone but myFICO is still showing it...

Re: myFico - Experian is Different than experian.com

Anonymous — Wed, 20 May 2020 05:28:34 GMT

i am pretty sure i was late .... it just doesnt exist on experian.com or annualcreditreport.com (experian report). Both of those show account never late. myFico also shows never late for EQ & TU for this account, however myfico lists this account as a potential negative citing only experian.

Again i am pretty sure i was late, i was gonna reuest early exclusion from EX but it isnt listed on EX as showing a late ever.... so i have nothing to request. Strange that the other two show it excluded/never existed on myFico and have for a LONG time. Just Expeian on myFico is dragging it out

Re: myFico - Experian is Different than experian.com

thornback — Wed, 20 May 2020 05:30:56 GMT

@Anonymous wrote:
So does the first image mean that they updated ONLY EQ and TU in January ... just strange that it is ONLY showing on MyFico EX still (and has been that way for a while) and no on any other reports nor on EX on Experian.com or annualCreditReport .... So its not on experian's report but is on myFico and I really have no clue why .. figure it out later

It could be a glitch on myFICO (wouldn't be the first time their interface displayed wrong info - but the scores are usually accurate despite that). To determine if it's actually affecting the EX FICO score provided by myFICO -- you will need to get your EX FICO score from an alternate source. If it's the same as the score provided by myFICO (or nearly the same accounting for possible changes since your last myFICO score update), then the 'glitch' is not actually affecting the score provided -- it's just giving you innacurate report data and you can contact myFICO customer service and open a tech support ticket to resolve it.

You can get your EX score from Experian.com using their $1 trial -- just be sure to cancel before the trial ends.

Re: myFico - Experian is Different than experian.com

thornback — Wed, 20 May 2020 05:35:38 GMT

@Anonymous wrote:
i am pretty sure i was late .... it just doesnt exist on experian.com or annualcreditreport.com (experian report). Both of those show account never late. myFico also shows never late for EQ & TU for this account, however myfico lists this account as a potential negative citing only experian.

Again i am pretty sure i was late, i was gonna reuest early exclusion from EX but it isnt listed on EX as showing a late ever.... so i have nothing to request. Strange that the other two show it excluded/never existed on myFico and have for a LONG time. Just Expeian on myFico is dragging it out

Weird. Yea - I don't know. Maybe Experian was slow in removing it.. or maybe myFICO is just jacked up ¯\_(ツ)_/¯.

Confirm your EX scores with another source (Experian site will give you all EX FICO versions except FICO 9 so you can confirm almost all of them). If they match, then there's nothing to worry about -- just a matter of myFICO fixing the innacurate report data 'glitch'.

Re: myFico - Experian is Different than experian.com

Anonymous — Wed, 20 May 2020 05:36:35 GMT

Just confirmed Score is same on experian.com vs myfico.com so it MUST just be a display error for the report on myFico

From experian.com:

Re: myFico - Experian is Different than experian.com

thornback — Wed, 20 May 2020 05:38:40 GMT

@Anonymous wrote:
Just confirmed Score is same on experian.com vs myfico.com so it MUST just be a display error for the report on myFico

From experian.com:

Perfect. So --- now you know. Give myFICO a call sometime when you have the time to *slowly* explain the issue more than once and have them open a ticket so they can work on fixing it...