3B account info varies, CCT and CK info different?

[Anonymous]

So I have a closed account that's got some derogs on it from 2012-2013.  The real (actual) data is that in 2012 it was 60 days late once and in 2013 it was 120 days late once and 60 days late once.  Now, looking at two monitoring services, this is what I see:

CCT:

EX:  60 days, 120 days, 60 days (exactly the way it should be)

TU:  Shows only on time payments, account never late once.

EQ:  One 60 day late (missing the other 60 and the 120) 

CK:

EX:  No clue since CK doesn't provide EX info.

TU:  60 days, 120 days, 30 days (one of the 60's only shows as a 30 here).

EQ:  One 60 day late (missing the other 60 and the 120) - this agrees with what CCT says even though they are both "wrong"

What are the reasons for the differences here?  One, it's strange to me that the info doesn't match across the bureaus.  However, even if it was reported differently to the bureaus I would think the different monitoring services would display the same information for each bureau, and they don't.

I guess my next step would be to obtain hard copy reports from all of the bureaus to see what they say?  All of my FICO 08 scores are within 15 points of one another, so I'd find it hard to believe (all other things being equal) that one is being impacted by major derogs and another isn't.

[Thomas_Thumb]

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@Anonymous wrote:

So I have a closed account that's got some derogs on it from 2012-2013.  The real (actual) data is that in 2012 it was 60 days late once and in 2013 it was 120 days late once and 60 days late once.  Now, looking at two monitoring services, this is what I see:

CCT:

EX:  60 days, 120 days, 60 days (exactly the way it should be)

TU:  Shows only on time payments, account never late once.

EQ:  One 60 day late (missing the other 60 and the 120) 

CK:

EX:  No clue since CK doesn't provide EX info.

TU:  60 days, 120 days, 30 days (one of the 60's only shows as a 30 here).

EQ:  One 60 day late (missing the other 60 and the 120) - this agrees with what CCT says even though they are both "wrong"

What are the reasons for the differences here?  One, it's strange to me that the info doesn't match across the bureaus.  However, even if it was reported differently to the bureaus I would think the different monitoring services would display the same information for each bureau, and they don't.

I guess my next step would be to obtain hard copy reports from all of the bureaus to see what they say?  All of my FICO 08 scores are within 15 points of one another, so I'd find it hard to believe (all other things being equal) that one is being impacted by major derogs and another isn't.

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No real point in speculating without knowing what is actually showing in the CB reports. If they are different, then I'd focus on the CRAs first

Note: If you want to look at EX, establish an account with credit.com

[Anonymous]

What reasons are there that what a monitoring service would display information different than what's actually on a CB report?  I mean, don't they get this data from CB reports?  I guess that's what I'm not understanding.

Ultimately in my example it doesn't matter, as if there was an actual discepancy on any of my CB reports with respect to this account it would likely be in my favor as none of the monitoring services have showed me anything "worse" than the actual derogs. 

[RonM21]

There could be a number of reasons why this happens, but I'm not sure what the cause of it exactly is. In the end, as long as the bureaus have the correct info, that is what counts.

But it never hurts to keep an eye on it as you are doing.