Discrepancies

[shannonharvey]

Hi everyone,

I’ve noticed that the credit reports shown on this site appear to differ from what I’m seeing directly from the three major credit bureaus. Specifically, MyFICO is showing late payments that do not appear on my reports from Equifax or Experian.

Because of this discrepancy, I’m a bit unsure how to proceed. Has anyone else experienced differences like this between MyFICO and the reports pulled directly from the bureaus? If so, is there anything that can be done to correct or reconcile the information being displayed here?

Any guidance or suggestions on how to address this would be greatly appreciated.

Thanks in advance.

[JoeRockhead]

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@shannonharvey wrote:

Hi everyone,

I’ve noticed that the credit reports shown on this site appear to differ from what I’m seeing directly from the three major credit bureaus. Specifically, MyFICO is showing late payments that do not appear on my reports from Equifax or Experian.

Because of this discrepancy, I’m a bit unsure how to proceed. Has anyone else experienced differences like this between MyFICO and the reports pulled directly from the bureaus? If so, is there anything that can be done to correct or reconcile the information being displayed here?

Any guidance or suggestions on how to address this would be greatly appreciated.

Thanks in advance.

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MyFICO doesn’t maintain its own credit files or add information to your reports. The reports you see here come directly from the same bureaus...  Equifax, Experian, and TransUnion.  When the reports were generated can also make a difference. 

I’d start by pulling your reports from Annual Credit Report (which is free to do once every 7 days) and comparing the information there with what's showing in MyFICO. If it truly appears on one version of the report and not the other, that would be unusual and worth looking into further through customer service.

One really important thing to remember is that no lender pulls reports from MyFico.  Pulling your reports from ACR as mentioned above will give you the same information that a lender would see if they pulled your report at the same time. 

[TrapLine]

@shannonharvey 

Confirming what Joe just shared. Go by the "Annual Credit Reports". You will read around this Forum where similar questions have been posed and posters have recommended the Annual Credit Reports as a solid "go to" for information.

Over time I have pulled credit reports from different provider sources on each bureau and found differences. As was mentioned, timing of a few hours or days can also make a difference.

[shannonharvey]

good morning, 

I have gone to ACR and the discrepancies remain. something EQ and EXP both list lates that don't exist on my reports that are on this site. In the grand realm of things, my scores are definately improving but I for obvious reasons want to remove any invalid information.

[JoeRockhead]

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@shannonharvey wrote:

good morning, 

I have gone to ACR and the discrepancies remain. something EQ and EXP both list lates that don't exist on my reports that are on this site. In the grand realm of things, my scores are definately improving but I for obvious reasons want to remove any invalid information.

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I would wait for your updated reports from myFico to publish April 1st, and if they're still there then reach out to MyFico regarding the discrepancies.  As long as your reports from ACR are correct, that's what matters.

[Patient957]

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@shannonharvey wrote:

Hi everyone,

I’ve noticed that the credit reports shown on this site appear to differ from what I’m seeing directly from the three major credit bureaus. Specifically, MyFICO is showing late payments that do not appear on my reports from Equifax or Experian.

Because of this discrepancy, I’m a bit unsure how to proceed. Has anyone else experienced differences like this between MyFICO and the reports pulled directly from the bureaus? If so, is there anything that can be done to correct or reconcile the information being displayed here?

Any guidance or suggestions on how to address this would be greatly appreciated.

Thanks in advance...

EQ and EXP both list lates that don't exist on my reports that are on this site.

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If you're using the free MyFico monthly report, that report is based on Equifax data.  However, MF formats and displays the data differently than Equifax itself.  For example, MF displays only the last 2 years of payments history.  If there are late payments older than 2 years, they are displayed in the section entitled "older derogatory events."   In my experience, the data in the "older derogatory events" section does not always match up exactly with my report directly from Equifax.  For example, in my case, in one of my old reports from 2024, EQ has a 150 day late for May 2018, whereas MF lists a 90 day late in May 2015.   Also, the MF EQ report only displays only Inquiries that are Fico scorable, so anything over 1 2 months old isn't listed; whereas, an EQ report directly from EQ will list all Inquiries up to 24 months old, regardless of whether they are scorable by Fico or not.

But none of this affects scoring, so it's not worth worrying about.  As others have mentioned, you should treat your reports from Annual Credit Report as authroritative and complete.   Those come direclty from the bureaus and have all the data available.

[BrutalBodyShots]

Hey @shannonharvey! The best place to get your reports is annualcreditreport.com as that is your actual source data. Any time a third party takes that source data and puts it through their credit monitoring service, that are chances that it gets interpreted incorrectly and that discrepancies may be seen. This is true of all CMS; myFICO while being "better" than (say) Credit Karma or others isn't immune to getting it wrong. We have seen plenty of data points over the years of something being displayed incorrectly on a MF credit report, but on ones REAL credit reports from annualcreditreport.com that variance is not seen. I don't agree with @JoeRockhead when they say the reports here come "directly from the bureaus." The data does, but that data is still interpreted by the [MF] CMS and that's why variances can be seen even if reports are generated at the same exact time.