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Creditor is reporting to TU differently then to Equifax and Experian

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sjt
Senior Contributor

Creditor is reporting to TU differently then to Equifax and Experian

Hi

 

I have a credit account that reported 4 30 day and I 60 day late in 2008 to TU. They are reporting only 1 30 day late and 1 60 day late to Equifax and Experian. Has anyone had a similar experience?

 

 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 1 of 4
3 REPLIES 3
guiness56
Epic Contributor

Re: Creditor is reporting to TU differently then to Equifax and Experian

Message 2 of 4
sjt
Senior Contributor

Re: Creditor is reporting to TU differently then to Equifax and Experian

But in my TU report a creditor is reporting 4 30 day lates and the same creditor is reporting only 1 30 day late on my Equifax and Experian.

 

 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 3 of 4
Shogun
Moderator Emeritus

Re: Creditor is reporting to TU differently then to Equifax and Experian

Where you late 4 times?  If so then it's good the other 2 aren't reporting this.   If they are reporting wrong you can dispute, but it might be better to just send a goodwill letter instead and kill them with kindness.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 4
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