Third party info for my EQ report is incorrect (includes here). How do I fix this?

[masscredit]

Recently I found 4 of my accounts are being listed as IIB on my EQ report from CK and here at myFICO. That is incorrect. Those accounts were opened after my BK. Two of the accounts are open (TD Bank and SDFCU) and two were closed by me (Andrews FCU and OpenSky).  For the open accounts, I let balances report when the statements closed to try to get them to update with the correct info. The TD statement closed about 3 weeks ago. It updated on the other reports and on the EQ site (looking at that now). but not on CK EQ.  The SDFCU statement just closed so I'm waiting to see what happens with that.  For the other two accounts, they were closed anyway but still.

I know this is third party stuff but I thought my info here (myFICO) would be correct. Especially with getting a real FICO score. That score took a hit when that info reported (I haven't updated my signiture). I've never had this happen before or read about it with others so I'm not sure what to do with this one. I'm going to wait for SDFCU to update my other reports then pull all three with FICO scores to see what is being listed. 

[MissLiz]

If you are confirming that the information on your annualcreditreport dot com is accurate and myFICO is inaccurate, I would suggest you reach out to them directly. 

[masscredit]

@MissLiz  I use CK to view my EQ and TU reports. They are usually on the money. I also use credit check total which is usually accurate. I have a subscription for my EQ score/report here and logged into Equifax's site to view what they have. I've never had different info on different sites. 

[FicoMike0]

If you think there could be a problem, you should go to annualcreditreport.com and get the raw reports. Lenders don't go to ck or myfico.

[masscredit]

---

@FicoMike0 wrote:

If you think there could be a problem, you should go to annualcreditreport.com and get the raw reports. Lenders don't go to ck or myfico.

---

I did that and throughly looked over my three reports. The info is pretty much correct on them. One thing that I noticed is two accounts don't have any info listed.  It says - No payment history available to display. This was for my TD Bank and Ally accounts on the EX report (not the EQ for the issue on CK). It's not negative info but I disputed it to possibly get my history for those accounts to report. I let some balances report last month. I'm going to wait for them to go back to reporting $0 then pull my three scores here. It's just been a strange situation that I haven't experienced. 

[masscredit]

I'm looking at my EQ report that I pulled here on 5/26 then my score alert from a few days later. My score dropped from 676 to 632. One of the reasons listed is - Lack of recent non-mortgage loan information. Looking at my EQ report here, it shows my SSL from Andrews as IIB. So that hammered my score. It gained 27 points after my Apple Card posted to my report (new account) with 81% UTI. I understand lenders don't pull reports from here but they do pull FICO scores which are based on the reports that FICO uses. I don't know if there was a bad batch of EQ info sent out at a point. 

[masscredit]

I'm still working on this. Just pulled my three reports and scores from Credit Check Total. They are showing the accounts mentioned above as IIB. I clicked on the link to file a dispute with EQ. Looking at my reports there, everything is correct.  I noticed something about the accounts in question that are being reported on CCT and Credit Karma. The date listed as IIB is the date that my BK was discharged in June 2022. Hum... Maybe they got caught up in this? They weren't part of the BK. I don't understand it. My FICO score is reflecting the accounts being IIB. One is a secured loan so now I don't show a loan in my mix.

[FicoMike0]

Did it have these two accounts before the bk? How about the ssl?

[masscredit]

I filed in March of '22, started rebuilding the beginning of May that year and BK was discharged 6/22/22. All of my accounts were reporting fine on my three reports until a couple months ago. I saw a big drop in my EQ score then found some accounts were missing/listed as IIB. Even an account that was closed earlier this year is showing IIB.