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myFico Report vs TransUnion Report

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BrighterFuture
Established Member

myFico Report vs TransUnion Report

Why would my myFico three-bureau report have my TransUnion not showing a late payment was made to any of my accounts, yet the actual TransUnion site is reporting one as being 30 days late?

5 REPLIES 5
MissLiz
Established Contributor

Re: myFico Report vs TransUnion Report

If it's a recent late, it's possible you need to update your 3B Report. Also, I've noticed myFICO seems to lag in updates compared to other CMS's I use. 

if it's not recent and your report is showing that month as OK or NR, well, that is odd. 

“A woman’s best protection is a little money of her own.” – Clare Boothe Luce
Message 2 of 6
BrighterFuture
Established Member

Re: myFico Report vs TransUnion Report

The payment in question is from May of 2019.

Message 3 of 6
MissLiz
Established Contributor

Re: myFico Report vs TransUnion Report

@BrighterFuture  Hmmmm, that is perplexing. Perhaps ask this in the myFICO Product Feedback forum? You may get more helpful answers there. 

“A woman’s best protection is a little money of her own.” – Clare Boothe Luce
Message 4 of 6
cashorcharge
Community Leader
Super Contributor

Re: myFico Report vs TransUnion Report

When you say "showing" are you referring to notes or items of note listed on TU and not within the MyFico report?

 

Here's why I say that....for example....let's say you have 5 inquires this year and another 5 that are over 1 year old.  In the MF version of the report...for items of note....it will only show the last 12 months as those are score impacting inquires.  The ones prior are not shown a new 3B report.  The report directly from TU is the "record of truth" and the MF does have some consolidations on it.

 

Not being 100% certain though...I agree with @MissLiz and asking in the product feedback may be beneficial

Message 5 of 6
Baha3
Member

Re: myFico Report vs TransUnion Report

Did you buy the TU report or are you referencing your credit profile from TU (free) ? Just to clarify

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Message 6 of 6
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