Experian FICO

[Anonymous]

I was looking over my 3B, and I noticed something strange. All of my IIB accounts are included as "90+ days late, collections" on my Experian, but current on my other two. I can't dispute this online, because they say "never late" on my CR. What gives? Is Experian just meaner with bankruptcy? Or do I need to call?

[Scupra]

EX is one CRA that will continue to report payment history unfortunately.

[Anonymous]

Even though those acounts were current before my BK? Strange way of doing it.

[Scupra]

Are you saying that myFICO 3B report shows you have 90 day lates on accounts that Experian reports current?

[Anonymous]

Yeah. Experian reports the accounts as Never Late/IIB, discharged. When I look at the myFICO 3B report, it says Ch 7 discharged, but 90+ days late and collections. My Experian Fico is 40 points lower than my Equifax, and 23 points lower than TU.

[Scupra]

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@Anonymous wrote:

Yeah. Experian reports the accounts as Never Late/IIB, discharged. When I look at the myFICO 3B report, it says Ch 7 discharged, but 90+ days late and collections. My Experian Fico is 40 points lower than my Equifax, and 23 points lower than TU.

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Hmm.. When you login directly to Experian to file a dispute it shows 0 lates yet myFICO shows lates? Are you able to attach a screenshot? I don't have any 3B reports old enought to show IIB accounts (at work sorry)

[Anonymous]

[Scupra]

Very odd! I would say that myFICO has an error maybe? I would worry about info directly from the CRA's. I wonder why myFICO is pulling a 90 day late over. I don't think 1 90 day late would cause the score difference you are seeing though.

[Anonymous]

It's happening on 3 of my accounts. As long as that's not the FICO that creditors are seeing, I'm fine with it. I guess I need to see if I can get an experian FICO elsewhere.

[Anonymous]

Checked it through Discover's tool, same story. At this point, I guess it is just a matter of Experian categorizing BK differently. Something for me to highlight on future recons, I guess.