All 3 of my reports have exactly the same data except for 1 account that is on Experian only.
The account is closed, paid and was opened in 1996 and only reports on Experian.
So, my Experian account has the oldest account going back 17 years with an AAoA of 3.2 years.
TU and EQ have identical data, oldest account 8.9 years, AAoA 2.6 years.
I do undertand that all the scoring models are different here but 100 point diff between EX and the other 2 does not make sense unless perhaps EX 08 dings you super hard for an updated neagative.
When I look at "understanding your score" EX says you have a "recently missed" payment or deragotory which can only be referring to an updat eto a 6 year old charge off from FP, my only baddie. EQ and TU both state " You have not had a missed payment in more than 5.7 years" and is listed as a positive.
It seems that the huge difference in my score is soleley due to EX interpreting the data from the FP charge off update differently. There is no material difference in the 3 reports whatsover outside of the 1 account, which should infact make my EX score higher than the other 2.
I have been battling with First Premier for almost 2 years now on a charge off that was being reported incorrectly. They have done updates several times over the years and every time they make some kind of update to the charge off it causes my scores to go down, usually more severely on Experian the the other 2.
The account was charged off in7/2008. the reporting of they lates was different on each bereau. When I disputed that fact with them they always claim that "the information is being reported the same way on each but that each bereau interprets or reports the data in their own way"
When I pull my reports from annual credit report TU shows the account as charged off but in the place where the little OK boxes go there is no data, On EX it shows the in the boxes 30 late from 4/2008, then 60, 90 and so on. Then it reports "CO" every month after until April 2012 where it changes to just a "C" for collection...stays as collection for 3 months then changes back to "CO" in October of 2012.
here are some screen shots of the different ways it looks on My Fico, first is TU, then EQ and then EX.
Here are screen shots from "understanding your score" TU is first, then EQ and then EX.
It appears you have disputed the tradeline on TU/EQ: that often excludes it from calculation altogether until the dispute is resolved (has something to do with the way the lender codes it as from a FICO admin long ago).
Disputes are wonky things, but it appears your EX score may be closer to the truth; yes, '08 does penalize recent derogs heavily, but I'd get things cleared up and then recheck the scores: looks like EQ has the recent lates as well which should impact your score when the dispute is off.
Revelate....the disputes have already been completed, so no data is being omitted on EQ or TU. They just have a dispute comment still in the notes.
There has been no activity on the account since 2009, so there are no "recent" late payments, just FP recently updating the "charge off" designation again.
Thanks for the feedback, just wanted to see what some here thought about this. My consumer attorney is currently filing suit against FP.....well see what the outcome is.