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Why is info diff EQ EXP TU?

tag
Anonymous
Not applicable

Why is info diff EQ EXP TU?

I recently got my EXP from FCR and EQ from myfico.com

The info shown to me for accounts in reports is different- why?

The exp report shows me creditors contact info- dates of activity and date item is scheduled to come off my report. EQ shows none of this. This is info I need to correct errors. Am I able to get this info online from EQ?

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1 REPLY 1
llecs
Moderator Emeritus

Re: Why is info diff EQ EXP TU?

Third party reports, like from myFICO, TrueCredit, freecreditreport, creditchecktotal, and others, lack the same info that's found on reports pulled directly from the CRAs. If you pull your reports directly from the big 3, which can also be found via annualcreditreport.com, you'll see so much more like better demographic info, better contact info, full 7-yr history vs. 2 on others, more dates and info, drop off dates on TU and EX reports, hard inquiries for the full 2 years and soft inquiries too.

 

Now between the three reports pulled from the big 3, as you pointed out, EQ doesn't include drop off dates. However, they do include a DOFD if ever delinquent, and seven years can be added to that date to get the same drop off date as found on TU and EX. There are subtle reporting differences between them like demographic info. EX emphasises codes to track who's reporting what account and which address used and so forth.

 

When beginning repair, I suggest that everyone pull both FICO reports if they think their FICO score is ever important to them, now or in the future, and also suggest everyone pull all 3 reports directly from each CRA. You can get all 3 for free once a year via annualcreditreport.com.

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