Fico 08 Discrepancy. Please help.

[Anonymous]

Hello All,

I recently enrolled onto Credit Secure offered thru American Express. I received all three of my Fico ‘08 scores, EX 746 EQ 832 TU 750.

Upon my review, I notice on my EX and TU score summaries, an indication of serious delinquency. However, when I review the report summary for EX/TU there is no history of any delinquencies. Mind you, I’ve never been late on a payment.

I don’t have this issue with the other FICO versions. Just the FICO ‘08 version . Is this just a glitch ? Anyone else having the same issue ?

Thanks in advance

[Anonymous]

It's more helpful if you quote the EXACT reason code, word for word.

I'm guessing it's reason code 39, which is a common confusion factor and as of yet, nobody has figured it out.  Similar old thread here: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Shiny-clean-reports-but-quot-serious-deli...

I would go over every account and see if any of them have a 30 day late notification, even if it's 6.5 years ago.

[Anonymous]

Thanks ABCD2199 for your response.

I reviewed each of my open/closed, everything shows paid as agreed. This is just a complete mystery.

[Anonymous]

A serious derogatory can hurt you for 90 points easily -- which is reflected in your FICO discrepancy.

Check to see if you have any accounts reporting as chargeoff, collection, repo, foreclosures, IIB, BK, judgment or lien.  Any of those will crush you for 70-100 points on average.