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2 different versions of my Equifax credit file

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Anonymous
Not applicable

2 different versions of my Equifax credit file

First, I hope I posted this in the correct section.  If not, I hope a moderator moves it where it needs to be.

 

I have come accustomed to using myFico to review my Trans Union and Equifax reports and scores.  Mainly because I can get my Fico score here.  When I look at my Equifax report that I get from myFico, it is as it should be.  There are no errors, everything is correct.

 

I am having an issue which prompted me to retain an attorney in regards to Experian.  The attorney advised me to pull my credit files from Annual Credit Report.  I pulled Equifax to discover that there are 4 additional accounts listed (and of course negative). 

 

I checked my Equifax report today on myFico as well as Annual credit report today.  How can I have 2 different versions from Equifax?

Message 1 of 12
11 REPLIES 11
AndySoCal
Senior Contributor

Re: 2 different versions of my Equifax credit file

When you pull from MyFico are you using the same name (first and last ) and generation code if applicable and the same address?

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 03/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney )
JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 25,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Red-stone FCU Hughes FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
Message 2 of 12
Anonymous
Not applicable

Re: 2 different versions of my Equifax credit file

Yes. 

Message 3 of 12
Anonymous
Not applicable

Re: 2 different versions of my Equifax credit file

 When in doubt, use the one from the CRA. 

Message 4 of 12
Anonymous
Not applicable

Re: 2 different versions of my Equifax credit file

Actually,  I just double checked.  My legal name is spelled Bobbie.  Which is what I use for anything credit/loan related.  I just noticed that some Equifax reports say Bobby and others Bobbie. 

 

Could I have 2 different files because they think it is two people?  Even though the SS# is the same?

Message 5 of 12
AndySoCal
Senior Contributor

Re: 2 different versions of my Equifax credit file

It is quite possible. I would check with your creditors to make sure they are reporting your first name correctly.  Are the collection accounts yours?

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 03/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney )
JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 25,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Red-stone FCU Hughes FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
Message 6 of 12
Anonymous
Not applicable

Re: 2 different versions of my Equifax credit file

I have about 4 spelling variations of my name on my CR.    Unfortunately, it is all my debt.

Message 7 of 12
VirusCredit13
Regular Contributor

Re: 2 different versions of my Equifax credit file

Is the myfico one a newly purchased one(or free) pulled from same day or is it an old report that you are reviewing?


Message 8 of 12
Anonymous
Not applicable

Re: 2 different versions of my Equifax credit file

New report for both versions.  Same date.  I sent everything to an attorney.  She will be getting in touch with me once she reviews everything.  I am tired of fighting with the CRA's.  I would rather pursue a civil action against them. 

Message 9 of 12
AndySoCal
Senior Contributor

Re: 2 different versions of my Equifax credit file

Sometimes the spelling of the name can indicate gender like Terry or Terrie. I can understand why you have two files.  My concern is that yes you can have it fixed for nw via legal means but the problem can come back potentially. If the creditor(s) who are reporting to the CRA(s) incorrectly keep updating with the wrong information again you have problem come back.

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 03/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney )
JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 25,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Red-stone FCU Hughes FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
Message 10 of 12
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