Derogatory items

[AndySoCal]

I have done some research of my own all I can find is what people think they are. I was looking for a better definition than that.

[Anonymous]

I don't know what the heck they are called. 

I know that according to the CRAs, when a creditor or potential creditor pulls your CR it is called a "credit report" and when you pull your own and see all the softs it is called a "disclosure". 

I figure that when a creditor pulls your report and they see umpteen years worth of history it is called an "Oh, s@*# !"

[bcdudley]

"Evidently something is showing up on your EQ that is not on the other two that brings your code 40 to a code 38 - which is interesting because EQ is not your lowest score."

My EQ report only has 3 negative items listed while Ex and TU have 7.

[AndySoCal]

The difference between a 40 code and 38 code is in verbiage. The differnece is the searious delinquency is in the 38 code and not in a 40 code. You could get a 40 code on a collection account for a cable bill that ended up as a collection account for example but not have any delinquency dates ( lates on the credite report). A 38 code coulde be received if you had a cable bill that went to collection  and if you also had missed a payment of a credit card as well..