Disputing; alright to use myfico information?

[atl]

I have some serious stuff wrong with a collection account from what myfico is reporting for EX. One of my settled collections is not in the collection page, its in the accounts page, reporting how many late payments which is a violation in itself.

The weird thing is that on my EX report pulled from annualcreditreport, it shows that same collection in the collection area, and not in the accounts.

What the crap should I use for the dispute? Can I use the myfico information?

Thank you for any advice/input!!

[BungalowMo]

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atl wrote:
I have some serious stuff wrong with a collection account from what myfico is reporting for EX. One of my settled collections is not in the collection page, its in the accounts page, reporting how many late payments which is a violation in itself.

The weird thing is that on my EX report pulled from annualcreditreport, it shows that same collection in the collection area, and not in the accounts.

What the crap should I use for the dispute? Can I use the myfico information?

Thank you for any advice/input!!

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If your direct ex report is showing it in the collections, but also showing lates...that is a violation.  Sometimes as info gets transferred to myFICO, things get a little muddled.  Go with your direct report from their site always.  myFICO gets your scores from that information, not necessarily what your reports show here.

Make sense?  No?  Join the club!!  (jk)

[atl]

No, its not showing as late on my hard copy.

I just cant believe how different this particular collection is reporting on myfico...never had one report this crazy before haha! You would think myfico and hard copies wouldnt be too far off...

[Anonymous]

I too have lates on collections from myFICO...I don't use myFICO for reports...only for scores...