Which is more accurate

[Anonymous]

Hi All, 

Me again. So I pulled ACR report on 5/3 and compared it against my report with experian membership report and my fico also ran them on 5/3. 

ACR has two collections listed

Experian has 4 collections listed

Myfico also has 4 collections listed

Which report should I be going by for the most accurate info. I thought annual credit report was the most detailed?

[Anonymous]

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@Anonymous wrote:

Hi All, 

Me again. So I pulled ACR report on 5/3 and compared it against my report with experian membership report and my fico also ran them on 5/3. 

ACR has two collections listed

Experian has 4 collections listed

Myfico also has 4 collections listed

Which report should I be going by for the most accurate info. I thought annual credit report was the most detailed?

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For experian? Annual credit report provides all 3 credit reports. MyFico and Experian can, too.

So which ACR report(s) are you looking at?

[OmarGB9]

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@Anonymous wrote:

Hi All, 

Me again. So I pulled ACR report on 5/3 and compared it against my report with experian membership report and my fico also ran them on 5/3. 

ACR has two collections listed

Experian has 4 collections listed

Myfico also has 4 collections listed

Which report should I be going by for the most accurate info. I thought annual credit report was the most detailed?

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It is, and it should be the most accurate. Go over the details, maybe some charge offs are being classified as "collections."

[Anonymous]

@Anonymous 

In my example, I was looking at the equifax report  from the tri-bureau report that I pulled from experian and  my fico. I also pulled the equifax from ACR, there were also discrepancies with transunion and experian as well

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@Anonymous wrote:

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@Anonymous wrote:

Hi All, 

Me again. So I pulled ACR report on 5/3 and compared it against my report with experian membership report and my fico also ran them on 5/3. 

ACR has two collections listed

Experian has 4 collections listed

Myfico also has 4 collections listed

Which report should I be going by for the most accurate info. I thought annual credit report was the most detailed?

---

For experian? Annual credit report provides all 3 credit reports. MyFico and Experian can, too.

So which ACR report(s) are you looking at?

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, but started with equifax first because I have the least collections reporting on those. 

[Anonymous]

@OmarGB9 good point. I will take another look. Thank you!

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@OmarGB9 wrote:

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@Anonymous wrote:

Hi All, 

Me again. So I pulled ACR report on 5/3 and compared it against my report with experian membership report and my fico also ran them on 5/3. 

ACR has two collections listed

Experian has 4 collections listed

Myfico also has 4 collections listed

Which report should I be going by for the most accurate info. I thought annual credit report was the most detailed?

---

It is, and it should be the most accurate. Go over the details, maybe some charge offs are being classified as "collections."

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