@Anonymous wrote:Can someone please help me. I just purchase the monthly from myfico and I saw TransUnion is reporting "recent missed payment 1 month ago" I haven't been late in 2 yrs. I have search the credit report on Myfico, TransUnion, & Annual Report I can't find anything. We are trying to get a mortgage and this now went from 0-100 in 30 seconds. I'm about to lose my mind. I can't dispute something I can't find. Please can someone point me in the right directions and let me know what to do. PLEASE HELP!!
If it's not there on the Transunion report from annualcreditreport it doesn't exist.
It's probably just a glitch in the software parse which does sometimes happen, unfortunately the analysis of the report isn't 100% accurate though the data and scores are. If you got your full 3B report, what were your mortgage scores?
@Anonymous wrote:Here are my scores: EQ 633/mortgage 567; TU 639/mortgage 604; EX 676/mortgage
I purchase the monitoring to may such everything was okay before the LO pulls our credit in March. For me and my husband they will take my score middle score and not his. So is TU credit scores correct? I'm still trying to figure this FICO especially mortgage score situation. Should I call myfico or anything? I just want to know if that's hurting my score at all?
Presentation idiosyncracies don't affect score, but if you want to call and report it go for it heh, more bug reports more better!
The score is legit, what's in your file is going to determine the score but anything (like this spurious late, if you've checked the TU report exhaustively and it's on none of your tradelines it doesn't exist) that's not there doesn't.