FICO 8 shows late accounts, but credit reports show none

[Anonymous]

Your actual credit reports can contain things that CCT doesn't see.  I have a negative account on my Equifax report that monitoring services like CCT, CK and WH don't see even though the negative is being factored into my score.

[Anonymous]

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@Anonymous wrote:

Your actual credit reports can contain things that CCT doesn't see.  I have a negative account on my Equifax report that monitoring services like CCT, CK and WH don't see even though the negative is being factored into my score.

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I understand that, but he's only told us about his annual credit report pulls, and not what is on his CCT reports. It is getting the "9 months" from somewhere.

[Anonymous]

I thought back on the first page he said he was providing info he got from a CCT pull?

[Anonymous]

 There isn't much more information on CCT than this. I was hoping that my perfect payment history would help my score, but it looks like they are considering every credit card I ever had as a late account  

[medicgrrl]

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@Anonymous wrote:

 There isn't much more information on CCT than this. I was hoping that my perfect payment history would help my score, but it looks like they are considering every credit card I ever had as a late account  

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Mine shows the same thing.  Those are probably the number of accounts that are listed on your credit report as IIB.  At least, that's what my information correlates to.

[Anonymous]

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medicgrrl wrote:

Mine shows the same thing.  Those are probably the number of accounts that are listed on your credit report as IIB.  At least, that's what my information correlates to.

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Thanks for letting me know! Mystery solved. 

[Anonymous]

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@Anonymous wrote:

I thought back on the first page he said he was providing info he got from a CCT pull?

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@Anonymous wrote:

The scores are from Credit Check Total. They are explaining why my score is low, because I have these late payments affecting it.

My credit reports are from annualcreditreport.com

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 I think there's some confusion that some are thinking that the lateness goes away from bankruptcy. A lot have had success in getting them removed, but they are allowed to continue to report and be calculated into a FICO score.

[Anonymous]

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@Anonymous wrote:

 I think there's some confusion that some are thinking that the lateness goes away from bankruptcy. A lot have had success in getting them removed, but they are allowed to continue to report and be calculated into a FICO score.

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No, I've never been late on any payments, ever. As such, I don't want my score to be clouded by late payments that don't exist.

As it stands, it seems as though I would have saved some money by not making payments, since my score seems to be affected the same way.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

 I think there's some confusion that some are thinking that the lateness goes away from bankruptcy. A lot have had success in getting them removed, but they are allowed to continue to report and be calculated into a FICO score.

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No, I've never been late on any payments, ever. As such, I don't want my score to be clouded by late payments that don't exist.

As it stands, it seems as though I would have saved some money by not making payments, since my score seems to be affected the same way.

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I chose the wrong wording. I should have said "deliquency". 

You legally have been excused of the debt, but the record that you didn't pay an outstanding debt is allowed to be recorded.

I read that people have had good success with writing good will letters for IIB, and though I don't condone it, disputing as well.

[Anonymous]

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@Anonymous wrote:

I read that people have had good success with writing good will letters for IIB, and though I don't condone it, disputing as well.

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I searched around and couldn't find anything on this. Sounds interesting. Not saying I'll do it, but definitely want to learn about it and about the ethical concerns too.

Can you link me to a thread or provide more info?

Thanks for your help with everything!