myFICO Equifax report vs Equifax.com discrepancy?

[kawuszka007]

Hi All,

I wanted to find out if something is off on either side here. I had an account that was charged off 2 years ago and its showing correctly on equifax's direct site, but when I look at the myfico monthly report it shows different, actually shows CO for 2 consecutive months this year, which is false. 

Can anyone give some input on this? TIA!!

[JoeRockhead]

If you want to see accurate reports like when lenders pull them, go to Annual Credit Report and pull your reports from there... you can do so for free once every 7 days.

[RedKhaos]

So on equifax, are you looking at last month's report or a new report because equifax only updates once a month? Myfico also updates the equifax report once a month, but they'll update your Equifax FICO score and relevant highlights like late payments in real time or with a day or two delay. It's possible the lates also showed up on Equifax but you just can't see it until they update the report.