Be Careful - Experian can be confusing. They made a big mistake!

[Anonymous]

Hey thanks! That is helpful info. But how come my reports list different data? Ex: my 3B from MF has an account listed on TU as having one balance, but it is different on the report I pulled the same day from TU, and different from the report I got from TU after a dispute? Despite there being no changes to the account in months. I notice discrepancies like this across all 3 CRA’s. I don’t understand why the info is different if it is being submitted to the CRA and being reported by the CRA. It should be the same.

[gdale6]

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@Anonymous wrote:
Hey thanks! That is helpful info. But how come my reports list different data? Ex: my 3B from MF has an account listed on TU as having one balance, but it is different on the report I pulled the same day from TU, and different from the report I got from TU after a dispute? Despite there being no changes to the account in months. I notice discrepancies like this across all 3 CRA’s. I don’t understand why the info is different if it is being submitted to the CRA and being reported by the CRA. It should be the same.

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Info is constantly being reported to CRAs by their subscribers (creditors who report) so it can be different if they are all not pulled at the same time and that rarely happens. A dispute on one CRA does not change reported info on another CRA. Information is also stored differently at each CRA it is not uniform.

[Anonymous]

we noted too that in April they didn't report but now May and waiting to see if they do for Visaas.

[Anonymous]

My EX score is always 50-60 pts lower than my TU or EQ scores. One thing I've noticed is that EX can't seem to report the 3 accounts where I'm an authorized user on my father's accounts. That's $52K in available credit that isn't being factored into my score. TU & EQ have no problems reporting any of those accounts, & my scores reflect the extra credit availability of having those accounts in my utilization. EX can't even seem to report one.... =(

[Anonymous]

I posted about this a month ago, but to make a long story short...

I have been waiting on the Experian subscription service (usa.experian.com) to correct an issue with my actual Experian report.

The Experian subcription service incorrectly shows an account 90+ past due. My actual Experian report was corrected sometime to remove that error.

The Experian subscription service is affecting MyFico scores with incorrect info. Experian acknowledges and says it takes 30-45 days to fix the "glitch".

I am now at the 30 day mark. I have contacted customer support and all they can say is I have to wait.

So I have to suffer with an incorrect Fico score due to their error? I need to apply for some things but want to wait until my scores have been corrected. What if it isn't fixed in 45 days? Do I have any recourse?

I can't believe I have to wait 30-45 days for them to fix this glitch.

[FireMedic1]

If what I'm is reading right. Your actual report has been fixed but the subscription hasn't? If that's the case. No worries then. It's your actual report creditors will look at. Go to Discover Scorecard. Sign up and see your monthly EX report and FICO score for free.

[CYBERSAM]

"days " lol. Are you seriously talking about days regarding to credit issue? come on now lol

Anything related to your credit improving requires months if not years... consider your self lucky if they actually do something about it, in 45"days"

Only it takes days to have your credit go down the hill. 🙃

[UncleB]

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@FireMedic1 wrote:
If what I'm is reading right. Your actual report has been fixed but the subscription hasn't? If that's the case. No worries then. It's your actual report creditors will look at. Go to Discover Scorecard. Sign up and see your monthly EX report and FICO score for free.

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This ^^^ exactly.

As long as your actual report is corrected you're fine.

[Anonymous]

My Fico score is affected by the error. So no one looks at Fico score during a credit check?

[FireMedic1]

Going by what was posted in your original post:

"The Experian subcription service incorrectly shows an account 90+ past due. My actual Experian report was corrected sometime to remove that error."

Creditors will look at your report and not your subscription service that has a burp in it. Your good to go. No worries. Here's hoping they fix it soon. Good Luck!