topic myFico Report vs TransUnion Report in Rebuilding Your Credit

myFico Report vs TransUnion Report

BrighterFuture — Mon, 03 Jun 2024 18:01:15 GMT

Why would my myFico three-bureau report have my TransUnion not showing a late payment was made to any of my accounts, yet the actual TransUnion site is reporting one as being 30 days late?

Re: myFico Report vs TransUnion Report

MissLiz — Wed, 05 Jun 2024 11:40:35 GMT

If it's a recent late, it's possible you need to update your 3B Report. Also, I've noticed myFICO seems to lag in updates compared to other CMS's I use.

if it's not recent and your report is showing that month as OK or NR, well, that is odd.

Re: myFico Report vs TransUnion Report

BrighterFuture — Wed, 05 Jun 2024 18:06:20 GMT

The payment in question is from May of 2019.

Re: myFico Report vs TransUnion Report

MissLiz — Wed, 05 Jun 2024 18:09:26 GMT

@BrighterFuture Hmmmm, that is perplexing. Perhaps ask this in the myFICO Product Feedback forum? You may get more helpful answers there.

Re: myFico Report vs TransUnion Report

cashorcharge — Mon, 10 Jun 2024 21:43:23 GMT

When you say "showing" are you referring to notes or items of note listed on TU and not within the MyFico report?

Here's why I say that....for example....let's say you have 5 inquires this year and another 5 that are over 1 year old. In the MF version of the report...for items of note....it will only show the last 12 months as those are score impacting inquires. The ones prior are not shown a new 3B report. The report directly from TU is the "record of truth" and the MF does have some consolidations on it.

Not being 100% certain though...I agree with @MissLiz and asking in the product feedback may be beneficial

Re: myFico Report vs TransUnion Report

Baha3 — Wed, 12 Jun 2024 04:11:20 GMT

Did you buy the TU report or are you referencing your credit profile from TU (free) ? Just to clarify