FICO inaccuracies

[Anonymous]

I got my FICO last week 16th Jan..Equifax 622 no lates..

I pulled it today  22nd Jan as I have alot of stuff coming off..to excited to wait any longer... but now it is 602! 20 point drop!!

OK ..I went through it with a fine tooth comb..(revolving debt same , accounts same  no inquirys differ etc) the only differences  now is 3 lates now showing from 2005 to 2006 on my capital 1card ..they weren't on my Equifax FICO report last week (no red flag etc)but they were on my Equifax report from Equifax last week...CAN ANY ONE EXPLAIN WHY THEY ARE APPEARING NOW?

(I have actually disputed these late with all 3 credit bureaus ..so far Transunion has removed them)

My husband also has a FICO inaccuracy  

..he has a 3 months late show up in "reason for low FICO score", yet he has no 3 month late showing on his actual FICO report or any other credit report (fico OR fako)..his last late was 3 or 4 years ago on anything !

They obviously dinged his score for it as his Experian score (which is the only one that mentions this unknown late)is about 50 points less then his Equifax /Transunion!

This is all making me crazy!!!!!!!!!!! Can someone explain this!?

[Anonymous]

Just to clarify on my husbands report FICO..the 3 months late isn't listed as a 90 late it just say's

 "your most recent late payment happened 3 months ago"

..the only account red flagged that has a late listed is  from march 2002!

 Where did they get this from.. How do you correct something that you don't know what it is ?

      thanks

[Anonymous]

There is only ONE explaination and that is the entire credit report system is meant as tools for the rich to make MONEY on the backs of the poor, undereducated, and it used to be just Transunion, Experian, and Equifax.  Unfortunately in my case, Suze has been added to the list of profiteers. How disappointing.

[haulingthescoreup]

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@Anonymous wrote:
. . . the only differences now is 3 lates now showing from 2005 to 2006 on my capital 1card ..they weren't on my Equifax FICO report last week (no red flag etc)but they were on my Equifax report from Equifax last week...CAN ANY ONE EXPLAIN WHY THEY ARE APPEARING NOW?

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There is a delay in the movement of info from the CRA's to FICO. Looks like the lates had just posted on the actual EQ report, but they had not traveled to the EQ FICO report when you pulled your score. Then when you re-pulled, they had shown up.

Congrats on the TU removal! TU is in a complete coma for me. Hope you can get the other two to clean them off as quickly.

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My husband also has a FICO inaccuracy

..he has a 3 months late show up in "reason for low FICO score", yet he has no 3 month late showing on his actual FICO report or any other credit report (fico OR fako)..his last late was 3 or 4 years ago on anything !

They obviously dinged his score for it as his Experian score (which is the only one that mentions this unknown late)is about 50 points less then his Equifax /Transunion!

This is all making me crazy!!!!!!!!!!! Can someone explain this!?

Just to clarify on my husbands report FICO..the 3 months late isn't listed as a 90 late it just say's
"your most recent late payment happened 3 months ago"
..the only account red flagged that has a late listed is from march 2002!

Where did they get this from.. How do you correct something that you don't know what it is ?

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This only appears on his FICO EX report? But it doesn't show on the list of accounts? OK, that one has me stumped. Have you pulled the actual EX report? (It would cost you; just asking.)

Has anyone else had dings for phantom lates that don't appear on the list of accounts?