Why is MyFico EQ CR different than annualcreditreport.com EQ CR?

[Anonymous]

I have been stressing over an old account that was showing on my MYFICO EQ CR. It's the same account I have been asking questions about where I am listed on MYFICO CR EQ as an AU. I just pulled my EQ CR through AnnualCreditReport.com and it's not even on there. Why would MYFICO EQ show it but it's not on the ACR.com's EQ CR? 

TIA 

[llecs]

Did you order both reports on the same day?

[Anonymous]

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@llecs wrote:
Did you order both reports on the same day?

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No, I joined Myfico and got the EQ CR 8-24-09. I got the EQ ACR.com today.

[llecs]

It is very possible it fell off between then and now. EQ tends to update the first of each month. Did you do anything to this account like letters, disputes, calls, etc. It could be that the OC took action and decided to remove it.

[Anonymous]

No, I didn't do anything. I never contacted them. I noticed that MYFICO EQ score has dropped 20 points today since I got my free report. The score has updated but not the CR on MYFICO. Will it update too?

Nothing is different on my free EQ CR compared to my MYFICO EQ CR except that the one account is not on there. I would think it would raise my score instead of making it drop. This really stinks!

[llecs]

You'd need to pull a new report in order to see any score changes or report changes. The myFICO reports don't update.

Your score could drop if this was an old, OC account, which it sounds like it was. If you decide to pull a new FICO report, look at the positive and negative items on pages 2 and 3. Specifically, look for the mention of AAoA. If your avg. age dropped, especially by a large amount, or if this was your oldest TL, then you'd experience a drop in score. Also, being an AU, I assume this was a CC? If you carry balances on your other CCs and this card helped you, then removing it would negatively impact your score too because your utilization would have increased.

[Anonymous]

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@llecs wrote:

You'd need to pull a new report in order to see any score changes or report changes. The myFICO reports don't update.

Your score could drop if this was an old, OC account, which it sounds like it was. If you decide to pull a new FICO report, look at the positive and negative items on pages 2 and 3. Specifically, look for the mention of AAoA. If your avg. age dropped, especially by a large amount, or if this was your oldest TL, then you'd experience a drop in score. Also, being an AU, I assume this was a CC? If you carry balances on your other CCs and this card helped you, then removing it would negatively impact your score too because your utilization would have increased.

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Thank You. Yes, it was a CC. I think I do understand now what happened. The CC made my history 12 years old and now it is showing as 2 years old. That's why it dropped. Well, there is nothing I can do about that. I'll just have to wait. Thanks again for your help!

[llecs]

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Diva12 wrote:

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@llecs wrote:

You'd need to pull a new report in order to see any score changes or report changes. The myFICO reports don't update.

Your score could drop if this was an old, OC account, which it sounds like it was. If you decide to pull a new FICO report, look at the positive and negative items on pages 2 and 3. Specifically, look for the mention of AAoA. If your avg. age dropped, especially by a large amount, or if this was your oldest TL, then you'd experience a drop in score. Also, being an AU, I assume this was a CC? If you carry balances on your other CCs and this card helped you, then removing it would negatively impact your score too because your utilization would have increased.

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Thank You. Yes, it was a CC. I think I do understand now what happened. The CC made my history 12 years old and now it is showing as 2 years old. That's why it dropped. Well, there is nothing I can do about that. I'll just have to wait. Thanks again for your help!

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Yep...that would certainly do it!

I remember when starting our credit cleanup and DW was an AU on her father's Citi w/ a 20 yr history. It was above 95% utilization (basically maxed out). Even if all of her CCs were paid to $0, the best we could do per utilization was 90% at that time. So, we had it removed and DW lost about 20 points if I recall. You can't win them all.