Question regarding Experian and myFICO pulls

[jahsoul357]

How is everyone doing? My question is basically a piggy back of this thread here:

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Late-payments-after-charge-off/td-p/28298

My annual report Experian pull only shows an old charge off having 3 lates with the last being 2008 but my Experian myFICO pull shows 26 90 day lates with the most recent being last month. Is this normal behavior and is this having a major negaitve impact on my score? Thanks...

[AndySoCal]

Is the Charge off account paid or unpaid ? If it is unpaid then  late dates can be reported until it is paid.

[jahsoul357]

It's unpaid but what's throwing me off is it only looks like this on the myFICO pull. I pull the consumer report from Experian and it only shows 3 lates. 

[Revelate]

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@JHudson wrote:

It's unpaid but what's throwing me off is it only looks like this on the myFICO pull. I pull the consumer report from Experian and it only shows 3 lates. 

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The base report from any of the bureaus is to be trusted over any of the third-party report distributors.

It goes through a sanitizing manipulation to put it into the format that the third party uses, and sometimes things get lost in translation.  End of the day it's the data that the individual bureaus has for you that counts, not what myFICO or CreditKarma, or CreditSesame, or Quizzle, or any other third party offering access to your credit reports has.

[jahsoul357]

@Relevate

And that's usually what I believe, but I didn't know if that had any bearing on the scoring here. 

[Revelate]

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@jahsoul357 wrote:

@Relevate

And that's usually what I believe, but I didn't know if that had any bearing on the scoring here. 

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I don't think it has any bearing on the scores: those come from the bureaus untranslated.  It's the report data which can get munged after it goes through the 3rd party presentation stuff.