Issues With Differences From Fico Reports and All Other Credit Bureaus Reports?

[Anonymous]

Anyone else have these issues? 

I paid for an updated report from equifax on Fico and pulled my report from equifax itself. Fico equifax report is showing in comments of a accounts that they are closed but isn't showing outside of the comments that it is closed. For example if I go to my report and look at the data some accounts that are closed say closed next to the account name but others that are closed do not say this. 

Also, my reporting balances from only OPEN accounts is in accurate on Fico but accurate on my actual equifax report. Both pulled same exact day, in this case would affect my credit score because it is showing my balances is more then I even have in credit limit which is in accurate based on all other credit reports. Showing I would be over my credit limits which is not the case at all. 

Something has got to be up because the information they pull from credit bureaus should be as accurate as the reports from the credit bureaus themselves unless the reports they pull are not in real time and maybe behind. 

Anyone else dealing with this or am I just reading this wrong because if I click on the question mark it tells me what it's based off of and looking at my reports from the bureaus it's inaccurate. 

Please help?!?

[FireMedic1]

The only true FICO score from Equifax products is Score Watch. All the others are Vantage scores. That might be what your seeing.

True FICO:

https://www.equifax.com/personal/products/credit/score-watch-and-monitoring/ 

All other (Vantage)

https://www.equifax.com/personal/ 

Vantage doesnt list closed accounts only open accounts. Reports from here are FICO and they will show closed accounts.

[Anonymous]

It's not the scores I'm worried about, I understand the difference in scores. I am concerned about the reports themselves. So the Fico Report I pulled from here and the Credit Report I pulled from Equifax itself are different. Equifax shows closed accounts but fico shows those closed accounts as opened.

[FireMedic1]

Can you do screenshots? Something is off. Open is opened, closed is closed.

[FireMedic1]

Pull your free EQ report from annual reports and look at it and see which one is correct.

https://www.annualcreditreport.com/index.action 

[FinStar]

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@FireMedic1 wrote:

Can you do screenshots? Something is off. Open is opened, closed is closed.

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They won't be able to do any screenshots yet until their rank changes to Member 😉  If they have Imgur (or similar portal), then that's an option.

[FireMedic1]

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@FinStar wrote:

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@FireMedic1 wrote:

Can you do screenshots? Something is off. Open is opened, closed is closed.

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They won't be able to do any screenshots yet until their rank changes to Member 😉  If they have Imgur (or similar portal), then that's an option.

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Ah ok @FinStar 

[gps150]

I am experiencing a similar problem and have yet to receive any useful information about it. My FICO equifax report suddenly is inaccurately reporting a late payment status on a paid account in good standing that I closed several years ago. I go to Equifax website and pull the bureau report, it shows as an account in good standing. I call Equifax and they say it's an account in good standing. I call the original lender and they confirm that they have it as an account in good standing. I call MyFico and they say they don't know, talk to the bureau. I tell them I already did, so then they say "ok, well talk to the original lender". I tell them I already did, so then the guy glitches out and starts spouting random unhelpful and obvious generalities about maintaining good credit and then proceeds to ask if I'm satisfied with my call. Lol. 

[OmarGB9]

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@gps150 wrote:

I am experiencing a similar problem and have yet to receive any useful information about it. My FICO equifax report suddenly is inaccurately reporting a late payment status on a paid account in good standing that I closed several years ago. I go to Equifax website and pull the bureau report, it shows as an account in good standing. I call Equifax and they say it's an account in good standing. I call the original lender and they confirm that they have it as an account in good standing. I call MyFico and they say they don't know, talk to the bureau. I tell them I already did, so then they say "ok, well talk to the original lender". I tell them I already did, so then the guy glitches out and starts spouting random unhelpful and obvious generalities about maintaining good credit and then proceeds to ask if I'm satisfied with my call. Lol. 

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As various members (including me) told you already in your thread, if you've already verified everything is correct on Equifax and the lender's end, then don't worry too much about what the MyFICO interface is saying. It should fix itself in due time. Again, lenders DO NOT see what you see on MyFICO. They will see whatever is on the official report pulled from Equifax/Annualcreditreport.com directly.

[gps150]

Thank you very much for this advice and input. I do appreciate it, and I understand what you're saying. That is encouraging, but my concern at this point isn't so much the content of the report, but the impact on my FICO 5 mortgage score. My equifax report may be clean and that will be what the lender will see, but that negative FICO notation is suppressing my FICO score. And they also see that, and it is just below where I need it to be because of this. I also did not mean to hijack the thread, but OP did specifically ask whether anyone else has had a similar experience. Again, thank you!