Credit report confusion

[hautemama]

I have a question.  I have pulled my CR's from various sites.  I've used most of the credit monitoring services... My question is.. How come they are all different?  Even the bureaus don't correlate.  For example, my Transunion report from Credit Secure is different fm the report I received directly fm the Transunion website!  (This especially applies to negative items).  Some are on some reports, others don't show, etc..

Also, my PLUS score from Experian via the Credit Secure website.. Is this a "fako"?  Even though it is an experian website?

So confused!

[Anonymous]

The only place to get true Fico's is from myfico.com. The rest are FAKO'S. As far as the cr's they may be different due to being pulled on different dates. Some info may have been added in between pulls and some negative info may have aged off.

[Anonymous]

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hautemama wrote:

I have a question.  I have pulled my CR's from various sites.  I've used most of the credit monitoring services... My question is.. How come they are all different?  Even the bureaus don't correlate.  For example, my Transunion report from Credit Secure is different fm the report I received directly fm the Transunion website!  (This especially applies to negative items).  Some are on some reports, others don't show, etc..

Also, my PLUS score from Experian via the Credit Secure website.. Is this a "fako"?  Even though it is an experian website?

So confused!

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Are you saying that some accounts show up on one TU report, but not another when pulled by a different service?

I've used a few different ones and never seen a difference.

Now, I do have a few that wont show the CA name when pulled through a different monitoring service. But these accounts are currently in dispute through the CRA. Not sure if that has something to do with it or not.

Is it whole accounts missing? Or just listed differently?

[hautemama]

Reported differently.  My Transunion recently pulled from CreditSecure has different derogatory information listed than the one that I pulled directly fm the Transunion site.  A student loan account that was never listed as late (and never late) showed up on the one directly pulled fm TU.  There was no difference in report dates, just possibly by a few days.  Also, another student loan's 30 days were deleted, which showed this change on Credit Secure but not on the TU report.  Weird, huh?

[ngerasimatos]

That is very strange. I have never seen that before and I use a few different credit monitoring sites.