FICO report VS credit report

[Anonymous]

Hello,

My FICO report mentions that there was a derogatory public record or collection filed on my account, but I just pulled all three credit reports and all of them say I have 0 negative items.  How do I find what the FICO report is talking about?

Thank you.

[elim]

mine is here... but be sure to check the date above it (top right). It does not update with your alerts. They want you to spend some more hard earned $$ for that.

[elim]

[Anonymous]

Thank you for your reply elim. I think I now understand why I can't find it. I got my FICO through Chase Slate service and now I see that it is only a score. Do you by any chance know if there is a way to get the full FICO report annually for free like the credit reports, or you have to pay for it?

Thanks!

[Anonymous]

Gotta pay for FICO

[Anonymous]

Thank you SouthEast80. Is there a chance that the FICO report will contain information that the three free reports don't have, like in my case the filed collections? In other words, is it worth spending money if I just got all three free ones?

Thanks!

[takeshi74]

The CRA's hold the offical records of your reports.  The reports from the Annual Credit Report site come directly from each CRA.

[Anonymous]

Here you go $1 creditchecktotal.com/