EXPERIAN FICOS - Some say have a deliquency other versions do not!!

[snickerpedia]

ok i ordered it and it is the same EXACT report as on experian. No negative items. So i don't understand why some of my experian fico scores say there is a delinquency and some dont.

[Remedios]

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@snickerpedia wrote:

ok i ordered it and it is the same EXACT report as on experian. No negative items. So i don't understand why some of my experian fico scores say there is a delinquency and some dont.

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The scores in your signatures, are they correct? 

If so, why is there 170 points difference between EQ and TU? 

[snickerpedia]

I had a chargeoff on Experian and Equifax before that was removed last month. It is no longer on experian or equifax. Do you think that has something to do with it?

[Remedios]

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@snickerpedia wrote:

I had a chargeoff on Experian and Equifax before that was removed last month. It is no longer on experian or equifax. Do you think that has something to do with it?

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Earlier you posted about "account with delinquency" but no delinquency showing 

Is it same account that was charged off? 

Would it be possible for you to post screen shots of every part of the report referencing negative info? 

If so, remove personal info, such as account number etc and post it here. Sometimes seeing what you're talking about helps. 

If your monitoring includes monthly EQ score and report, and you just refreshed it but your score did not go up, the derog must still be present. 

[snickerpedia]

I will post screenshots when out of work. 

There is no part of the report that shows a delinquency. The only place there is mention of it is in the FICO score reasons for what is helping/hurting your score.

My EXPERIAN fico 8 is stating 677 and a reason for it being low is "serious Delinquency"

My FICO score 2 experian mortgage is 789, and there is no mention of delinquency hurting my score.

My fico bankcard 2 score is 799, with no mention of delinquency.

My fico auto score 8 is 684 with the delinquency mention.

These were all updated today from experian.

[SouthJamaica]

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@snickerpedia wrote:

I had a chargeoff on Experian and Equifax before that was removed last month. It is no longer on experian or equifax. Do you think that has something to do with it?

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I'm pretty sure that had something to do with it.

[Anonymous]

This is definitely an odd one. Very strange that one algorithm would pick it up but not the other. It definitely seems like they didn’t take those derogatory‘s off, from a scoring perspective. Did you ever see your score go up since those derogatory‘s were supposedly removed?

[Anonymous]

This has happened to me. My dashboard will show 1 new negative payment and when I go to drill into it, it's blank. In my case, the issue is an old collections account that the collector reports as a collection EVERY SINGLE MONTH. 

So even though my account says I have a new negative payment, it isn't necessarily dinging me as a recent late payment, which is why there's no data when I try to drill down into the notification.

[snickerpedia]

yes my score went up once they got removed, however some score versions more than others.

[snickerpedia]

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@Anonymous wrote:

This has happened to me. My dashboard will show 1 new negative payment and when I go to drill into it, it's blank. In my case, the issue is an old collections account that the collector reports as a collection EVERY SINGLE MONTH. 

So even though my account says I have a new negative payment, it isn't necessarily dinging me as a recent late payment, which is why there's no data when I try to drill down into the notification.

Are your other FICO's effected by this collection (fico 2, bankcard 8 etc)? I no longer have any collections on my report so I don't think that could be the reason for mine.

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