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Equifax help

Regular Contributor

Equifax help

So equifax has me at zero revoling accounts and only 3 accounts total. However transunion and experian show me at 12 and 17 accounts. i undetstnad that some may not report to all or whatever it may be. but Capital One, Discover, Nfcu, Merrick bank. they should all be reporting. the last update for TU and experian was 9/10. all but discover was on the reports 8/10 but nothing on equifax just a ghosted reported almost. would it help to call equifax and ask them what the issue is? It also looks like the Couple accounts equifax does show, havent had any updates since may. i do have fraud alerts on my three Credit reports. and im viewing the accounts through CK daily. however the experian report i get monthly does show the similir information. snapshot.PNG

Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 1 of 10
9 REPLIES 9
Senior Contributor

Re: Equifax help

I would call, or maybe buy one month subscription and then call.  Have you checked annualcreditreport.com?  If not, do that first, mark everything, write down notes on the report and then call.

Message 2 of 10
Regular Contributor

Re: Equifax help

I Just hung up the phone with equifax, and they have everything reporting and reporting correctly, matching my other two reports. they cant explain why experians 3 beruea reports, ck, and idenity iq doesnt show any info for equifax. 

Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 3 of 10
Senior Contributor

Re: Equifax help

Okay, glad you called and I too have a similar issue, though not to your degree but similar.

Message 4 of 10
Regular Contributor

Re: Equifax help


@GApeachy wrote:

I would call, or maybe buy one month subscription and then call.  Have you checked annualcreditreport.com?  If not, do that first, mark everything, write down notes on the report and then call.


whats even weirder now, is that i pulled from annual credit report and it shows the thin file with no revolving also. but the lady on the phone said she see all the credit cards listed on the report she has. 

Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 5 of 10
Regular Contributor

Re: Equifax help

when i got a letter from navy for my auto loan approval, it had a credit score of 678 on the letter for equifax. so i guess at least the lenders are seeing it correctly. 

Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 6 of 10
Senior Contributor

Re: Equifax help

Yeah, after my last reply I thought about asking back if you compared the exp. score with what Eq. had.  Didn't know if they'd tell you or not but was curious just how wrong the Exp. report was.

Message 7 of 10
Senior Contributor

Re: Equifax help


@aesl1982 wrote:

when i got a letter from navy for my auto loan approval, it had a credit score of 678 on the letter for equifax. so i guess at least the lenders are seeing it correctly. 


Which fico score was that one on the letter?

Message 8 of 10
Regular Contributor

Re: Equifax help


@GApeachy wrote:

@aesl1982 wrote:

when i got a letter from navy for my auto loan approval, it had a credit score of 678 on the letter for equifax. so i guess at least the lenders are seeing it correctly. 


Which fico score was that one on the letter?


equifax fico 8

Discover it miles 9/19 Sl 5000 | Care Credit 9/19 SL 3500 | Cap 1 QS 4/14 AU 500 | Cap 1 QS1 4/14 AU 600 | NFCU Secured 8/19 200 | NFCU CLOC 9/19 500 | NFCU auto 10/19 6.29 66k | NFCU Auto 4.9% 37k
Experian- 702
Equifax- 676
Transunion- 611
Util- 9%
Message 9 of 10
Senior Contributor

Re: Equifax help


@aesl1982 wrote:

@GApeachy wrote:

@aesl1982 wrote:

when i got a letter from navy for my auto loan approval, it had a credit score of 678 on the letter for equifax. so i guess at least the lenders are seeing it correctly. 


Which fico score was that one on the letter?


equifax fico 8


Awesome!  Yeah, didn't know if it was the auto score or the regular fico 8.  That's great!  Maybe your scores and accts. will start reporting correctly soon. Hopefully

For some reason I have several off my report that used to be there yet it hasn't affected the score; who knows.

Message 10 of 10
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