Experian.com vs myfico

[Anonymous]

I found the difference. On experian both my mortgages are showing on my report and all my credit cards. On my fico neither of my mortgages are showing on experian and not all my credit cards. How do I fix that ? 

[Anonymous]

I was. but the score was the 637 from myfico and not the 704 from experian. 

[Anonymous]

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@Anonymous wrote:

I found the difference. On experian both my mortgages are showing on my report and all my credit cards. On my fico neither of my mortgages are showing on experian and not all my credit cards. How do I fix that ? 

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Experian and MyFICO should both have the same data for your Experian reports. You should get your free Experian credit report from annualcreditreport.com and review the contents of it. If this looks accurate then you should raise a support request with whichever CMS is displaying the wrong information and let them know the content of their monitoring service does not match your actual credit report.

If the information in your credit report does not look accurate then you will need to dispute the inaccurate info with Experian. Someone that has more experience with this could give you better insight into how that process would work.

[Anonymous]

Thank you. I just pulled the report annualcreditreport.com and it matches the information on experian.com. It's Myfico that the information is incorrect. Do I just email myfico? 

[Kidcat]

OP what is the date of the report you pulled from each one.  Maybe myfico is an older report.  Also just be sure that both are EX, as myfico has all 3 bureaus 

[iv]

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@Anonymous wrote:

I found the difference. On experian both my mortgages are showing on my report and all my credit cards. On my fico neither of my mortgages are showing on experian and not all my credit cards. How do I fix that ? 

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Sounds kinda like a split file... maybe?

Does the Personal Info section on myFICO (for the Experian report) match the Personal Info section from Experian.com?

[SouthJamaica]

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@Anonymous wrote:

I am extremely confused and need help figuring it out. My experian.com says my score is 710 (it says it is fico 8) last update today. Myfico experian says 622 and hasn't updated since 8 May. Is Experian.com using the same scoring model as myfico and if so why are the scores almost 100 points different ? And why isn't it updating on myfico. 

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Yes for FICO 8 they use the same scoring model.

Experian.com is current; MyFICO is time delayed.

[SouthJamaica]

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@Anonymous wrote:

Does experian not update periodically on myfico as my equifax and transunion do? I understand that the other scores don't change until the refresh each month but my FICO 8's change throughout the month except for the experian. So your saying if I do a new pull my experian on here should match my experian on experian.com?

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Yes but you shouldn't waste the money. Your FICO 8 score on Experian is up to date, and correct.

MyFICO's updates to the FICO 8 score you see are random, while experian.com's updates are daily, and are available whenever you visit the site.

[SouthJamaica]

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@Anonymous wrote:

I found the difference. On experian both my mortgages are showing on my report and all my credit cards. On my fico neither of my mortgages are showing on experian and not all my credit cards. How do I fix that ? 

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I'm guessing it will be fixed when you pull your EX report on MyFICO.   If you want to spend $18 or so, do that.

But as I said before, I would not worry about it.  Experian.com is up to date and correct.

[Anonymous]

@SouthJamaica ex on myfico updated. It is not the same score. I did an application with affinity federal credit Union and the EX score they gave me was the same one as myfico and not the score on experian.