Creditwise derogatory not on credit karm

[Anonymous]

I have 1 derog that is on my creditwise report, but it isn't showing up on my creditwise report. Why is there the difference? Also, when I checked my annualcreditreport.com report, it shows that derogatory coming off estimated on 5/18. This is before the 7 year mark. Is that correct?

[Anonymous]

CreditWise uses TU, CK uses both EQ and TU but the default report display is EQ, did you click on the TU tab to see if it's on your TU report?

[Anonymous]

Yeah. I looked under there and it's not there.

[jesseh]

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@Anonymous wrote:

I have 1 derog that is on my creditwise report, but it isn't showing up on my creditwise report.

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You lost me in the first sentence.

[Anonymous]

I have a tax lien which doesn't show up on some Vantage Score report websites but the score reflects that I have that tax lien.

Free credit monitoring sites aren't designed to give you the full picture.  They're free for a reason.

The only place you can see your actual full credit reports with all the details is through the credit bureaus -- once annually for free, again you can request one if you are denied something (I always request a free paper report if I am denied something, even a CLI request), or you can pay for them individually.

I have an entire set of file folders of my actual paper reports over the past 10 months of rebuilding.  No online credit report website offers everything contained in the real reports -- not even paid reports from MyFico or CCT include every piece of information on your paper reports.

[Anonymous]

Sorry, I meant it is showing on my creditwise report, but not on credit karma.

[Revelate]

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@Anonymous wrote:

I have 1 derog that is on my creditwise report, but it isn't showing up on my creditwise report. Why is there the difference? Also, when I checked my annualcreditreport.com report, it shows that derogatory coming off estimated on 5/18. This is before the 7 year mark. Is that correct?

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Depends on the negative, for things like collections the DOFD is the important date for exclusion and that's usually well before the collection was filed.

Also the bureaus themselves sometimes get strange dates, but if it comes off early, that's nothing but goodness and don't go poking the bear like I did.

[RobertEG]

I would speculate that the credit reports you received from the different vendors were based on different dates when they actually obtained the information from the CRA. The fact that a commercial credit report bears a date of X does not mean the info was obtained from the CRA on that date.

[Anonymous]

I'm becoming a huge fan of paper reports as I collect more and more during my deletion campaign to the point I've considered dropping my myFICO monthly membership to instead order monthly papers direct, price is about the same.

At the same time once these baddies delete I won't have need to watch my reports on such a granular level and myFICO is certainly easy & convenient. Time will tell.