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So I just found out that I had a collection on a medical bill from 2011. I only found out when I was looking through my credit report for the first time about 2 weeks ago. (I know I'm stupid.) I can't remember if Experian had it, but both TransUnion and Equifax showed that I have collections on their reports. However, when I signed up for myFico 2 days ago, the collection only appeared on Equifax. The other 2 bureaus didn't show it. But actually filed a dispute with TransUnion as Equifax's dispute link was down. (Go figure.) I'm scared that I might have alerted them about making a mistake somehow.
This collection does disappear in April 2018. But I'm shopping for a new credit card and I don't want anything bad on my report...
Is it possible to have a collection in one report and not the others?
How come TransUnion showed that I have collection on 9/16th but TransUnion in MyFico didn't show it on 9/25th?
What's going on here?
A party can choose to make reporting to no CRAs, or only to one or more.
There is no requirement that they must report to all CRAs.
The date that a debt collector reports their collection can also vary between CRAs.
The DOFD must also be reported to the CRA, and being a factual determination, should be the same for each CRA.
However, the date of reporting of the collection iteself can vary dependent only upon when they choose to report.
But the thing is, TransUnion's report showed that I have a collection. That was on 9/16th. on 9/25th, when I signed up for MyFico, TransUnion didn't show any collections.
So I'm guessing that the collection agency did report to CRAs as it was on the report?