Annual Credit Report vs MyFico

[800goal800]

My wife has a 30 day late from Chase which is correct and is on the Annual Credit Report for TU.  MyFICO TU report says no delinquency either in the Credit Data listing all accounts ( Worse Deliquency = None Reported ") or under " Negative Accounts " in " Items to Review 

Why should there be a discrepancy?

[CThatisLife]

It could be that MyFico has not updated yet.  How long ago did the late show up on the annual report?

[800goal800]

The late is from 2016.  It was on a 3 bureau Fico at one point but on a recent TU individual it's not. 

[FireMedic1]

See if its on CK. Then you'll know if its a MyFICO thing.

[OmarGB9]

It is a MyFICO thing for sure as annualcreditreport.com is basically the golden standard being that it's endorsed/ regulated by the government. 

[800goal800]

@FireMedic1  It is not on CK.   So curious why it's on Annual but not MyFico or CK

[dragontears]

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@800goal800 wrote:

@FireMedic1  It is not on CK.   So curious why it's on Annual but not MyFico or CK

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Because a single, old isolated 30 day late is not considered derogatory by the scoring algorithm. 

This is just a CMS display issue. 

[800goal800]

@dragontears  Thanks.  So the score is not taking this into account ?

As an aside, MyFico is showing this on EX and EQ reports.

[OmarGB9]

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@800goal800 wrote:

@dragontears  Thanks.  So the score is not taking this into account ?

As an aside, MyFico is showing this on EX and EQ reports.

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It's still factored into your score, but credit monitoring systems (CMS) don't view it as a major derogatory. However, that doesn't explain why it's completely missing from TU.

ETA: Does it actually show up in the payment history/worst derogatory section of the account when you view your TU report on MF?

[800goal800]

@OmarGB9  It doesnt show up anywhere...