Signed up...now I have questions

[rtoshow]

Ok,experts....this is from TC. Can anyone explain why so many differences between what is reported ? Can I request that info from one be reported to another & does it make sense to do that at all ? I'm just trying to make heads or tails of all of this & make it all work to my advantage. TransUnion Experian Equifax TOTAL ACCOUNTS: 26 26 23 OPEN ACCOUNTS: 13 14 15 CLOSED ACCOUNTS: 13 12 8 DELINQUENT: 2 1 1 DEROGATORY: 0 2 1 PAYMENTS: 1806 576 562 INQUIRIES (2 years): 7 10 19 In addition, this is my current scoring through myfico: TransUnion ??? You don’t have any recent scores from TransUnion Equifax 665 Experian ??? You don’t have any recent scores from Experian Why would some of these be blank ? Here is what I show at TC: TransUnion Experian Equifax 672 637 608 Any and all help & advice is appreciated. Thanks so much !

[rtoshow]

It didn't quite appear on screen as I had hoped. Hopefully everyone can make heads or tails out of it.

[Anonymous]

Not every creditor reports to all thre CRAs. I - and I guess just about everybody will see pretty much the same things on our reports.

[Anonymous]

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rtoshow wrote:
Ok,experts....this is from TC. Can anyone explain why so many differences between what is reported ? Can I request that info from one be reported to another & does it make sense to do that at all ? I'm just trying to make heads or tails of all of this & make it all work to my advantage. TransUnion Experian Equifax TOTAL ACCOUNTS: 26 26 23 OPEN ACCOUNTS: 13 14 15 CLOSED ACCOUNTS: 13 12 8 DELINQUENT: 2 1 1 DEROGATORY: 0 2 1 PAYMENTS: 1806 576 562 INQUIRIES (2 years): 7 10 19 In addition, this is my current scoring through myfico: TransUnion ??? You don’t have any recent scores from TransUnion Equifax 665 Experian ??? You don’t have any recent scores from Experian Why would some of these be blank ? Here is what I show at TC: TransUnion Experian Equifax 672 637 608 Any and all help & advice is appreciated. Thanks so much !

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I'll give this a try....#1  we need to see all your accounts (negitaves)  the dates  amounts  (past due can wait)     ings  not needed either   maybe start with closed accounts   are they CO  or CA or both? don't forget the dates!!

TC scores are FAKO

[Anonymous]

rtoshow wrote:
Ok,experts....this is from TC. Can anyone explain why so many differences between what is reported ? Can I request that info from one be reported to another & does it make sense to do that at all ? I'm just trying to make heads or tails of all of this & make it all work to my advantage.

TransUnion Experian Equifax

TOTAL ACCOUNTS: 26 26 23

OPEN ACCOUNTS: 13 14 15

CLOSED ACCOUNTS: 13 12 8

DELINQUENT: 2 1 1

DEROGATORY: 0 2 1

PAYMENTS: 1806 576 562

INQUIRIES (2 years): 7 10 19

In addition, this is my current scoring through myfico: TransUnion ??? You don’t have any recent scores from TransUnion Equifax 665 Experian ??? You don’t have any recent scores from Experian Why would some of these be blank ? Here is what I show at TC: TransUnion Experian Equifax 672 637 608 Any and all help & advice is appreciated. Thanks so much !

Not everyone reports to all of the CRA's, that's why you have differences listed. Also, for inquiries, places usually check just one CRA, which is why your inqs are different.

As for the current scoring through myfico, it appears that you only purchased the Equifax credit score. If you had prchased all three through myfico it would have them listed as well.

[rtoshow]

Now, I see that. I only purchased the one. I thought I got all 3. I read & re-read all of this stuff over & over for weeks before making the decision to buy & I still missed something By the way....how did you re-format my posting ? How you re-posted it was how I intended it to look in the first place