HELP with Report Error

[Anonymous]

I did a short sell on my home back in July.  In order for Freddie Mac to accept the offer and close, we had to be late once.  As soon as we were 30 days late, we closed.  My first mortgage was with SunTrust Mortgage and has reported correctly on my credit.  My second was with SunTrust Bank and they state it was a paid collection account/ settlement accepted.  They both show 30-days late on my credit.  My Fico reports the accounts differently.  They say that since Equifax shows it as a paid collection, it must be 120+ days late and has that on my fico report.  First of all, I was never late on any payment ever, until forced to be late to have a short sale accepted.  Equifax report shows 30-days late, one time only and account closed. 

My issue:  My credit score is bad enough with 2 accounts showing 30-day late payments 1 time then closed and then a paid settlement.  What is making it really bad is those and a 120+ day late as my current status on the 2nd mortgage.  My Fico says they can't do anything about it, it comes from Equifax.  Equifax  says there is nothing wrong, because they only show 30 days late.  I even called SunTrust and they show it was only 30 days late and was a paid settlement and that was reported.  So how do I get Fico to remove this 120+ days late from my fico report and score.........Everytime I call MyFico, they are horribly rude and say there is nothing they can do, call Equifax.

[AndySoCal]

I presume the balance on the account showing 120 days late is zero. Correct? If so you can not be 120 days late and have a zero balance this an Equifax issue.

[Anonymous]

Yes, balance shows as zero and only 1 30-day late.  My Fico says I have 120+ late, but no where on my equifax does it show 120+.  I have disputed with everyone and they only problem shows up with Fico.  They say it is affecting my score.  Really pulled all my hair out on this one.

[Anonymous]

Welcome to the forums!

I wonder what you would get if you order a Score Power report directly from EQ. Would be the same detail as EQ reports, or the same detail as a myFICO Score Power report?

[AndySoCal]

Also, is on the trade line it is being reported as a 120+ days late or somewhere else? If it is on a trade line try pulling the credit report annualcreditreports.com. It is free as long as you do not want a score. The score is Non FICO it is not the score you are interested in.  See if you get the same message.  if it not a trade line ask MY FICO what on the credit is triggering the message.

Message Edited by AndySoCal on 10-14-2009 06:57 PM

[fisicallyfit]

This just happened to me. Were you ever able to fix the reporting? If so how did you do it?