Discrepancies between CMS Services

[kjm79]

I know that information between the CRA's can diffier.  I also know that data sometimes displays differently (formatting) depending on which CMS you are using.  But I've never had an issue like this before, different data within the same CRA between different CMS. 

Currently I have:

Truecredit's monitoring service (gets me my TU report daily which just so happens to list ALL of my accounts, and 1 free monthly tri-pull.)

Equifax Scorewatch (offered via NFCU)

And I just signed up for USAA's Premium CMS (then downgraded to just their basic service that monitors EX). 

The USAA's tri-merge reports says that on TU and EQ my AAoA is lower than it actually is (vs AAoA from TC and EQ SW data).

The USAA's tri-merge report also shows one less account on TU and EX (vs TC's tri-merge report)

My TC tri-pull matches up with EQ SW data. So I have consistency between those two CMS.  But USAA has a lower AAoA for EQ.  Anyone ever have this kind of problem? 

[llecs]

I haven't used the USAA product, but have used the creditchecktotal product that they resell. I can't recall AAoA from CCT, but any product from myFICO and FICO itself calculates AAoA as an average of ALL OC accounts, whether orpened or closed, good or bad and that figure is rounded down to the nearest whole number (never is calculated with months). Services like CreditKarma will calculate AAoA off open accounts only. Seems like EQ did the same; I recall my figures were off there too. I'd do the math to exclude certain accounts to see if it jives.

Also for USAA, could the missing account be in a different section?

[boomhower]

The trimerge services are not perfect and some things don't go through perfectly.  But for $12 a month for all three reports they serve there purpose and worth the cost.  Mine come through good except for one card that shows open that's been closed for years.