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Several older accounts on EQ not reporting payment history

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mattmyFIC0
Established Contributor

Several older accounts on EQ not reporting payment history

The title says it all. My EX and TU show the payment history for a few accounts that have been closed now for several years but the payment history does not show on my EQ report. They say that Pays account as agreed but no payment history. These are accounts with no missed payments.

 

My question is: would a payment history on these accounts help with my EQ score or is it irrelevant at this point to even bother with?

Scores 01/04/2017: EQ 719, TU 750, EX 716
Goal scores: 740 across the board
Message 1 of 6
5 REPLIES 5
Anonymous
Not applicable

Re: Several older accounts on EQ not reporting payment history

I have the same situation no payments reporting on one revolving account closed in 2011 and an installment account closed in 2012.  My Equifax has the same information on all other accounts yet it is 30 points below TU and 18 below Experian. The only other difference is inquiries TU 2, Experian 4  and Equifax 4.

Message 2 of 6
elim
Senior Contributor

Re: Several older accounts on EQ not reporting payment history

Same here...  50 point spread over the 3 CB's

Message 3 of 6
RobertEG
Legendary Contributor

Re: Several older accounts on EQ not reporting payment history

You DO have a payment history.

 

If the account is reporting, it has a payment history.

No reported derogs = perfect payment history.

Message 4 of 6
mattmyFIC0
Established Contributor

Re: Several older accounts on EQ not reporting payment history

Thanks for your feedback guys. I wonder why it shows payment history for some CRA but not others for the same accounts. Just seems strange to me.

Scores 01/04/2017: EQ 719, TU 750, EX 716
Goal scores: 740 across the board
Message 5 of 6
CreditDunce
Valued Contributor

Re: Several older accounts on EQ not reporting payment history

Likely EQ is just more aggressive in removing outdated information.  FICO does not currently use payment history for scoring.

Message 6 of 6
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