@Anonymous wrote:I had a Chapter 13 drop off my FICO 8 for all 3 bureaus and it dropped off all the other models for Equifax and Experian. However, it's still showing for Transunion on all score models except for FICO 8. What is the problem here?
Welcome to MyFICO. I have learned a lot here.
There are 3 credit reports, each containing sometimes identical, sometimes differing, versions of your data.
It sounds like you're saying that the Chapter 13 has dropped off of your EQ and EX reports, but not your TU report. If so, that would not be unusual. Often there is a time lag between one bureau's reported data and another's.
As @dragontears correctly pointed out, an item of data -- such as the existence or nonexistence of a Chapter 13 -- would not be 'on' a score, it would be in a report.
@Anonymous wrote:I had a Chapter 13 drop off my FICO 8 for all 3 bureaus and it dropped off all the other models for Equifax and Experian. However, it's still showing for Transunion on all score models except for FICO 8. What is the problem here?
Oddly enough, i kinda had something similar happen.
Yesterday, I had 5 derogatory TLs deleted from EX (4 x defaulted SLs and 1 x CA). My only remaining baddies are 2 x CAs. Zero late payments, zero charge offs, zero past due balances, etc.
Only on the EX2s does it list "missed payments" and "past due balances". These are not normal codes for CAs, so it is almost like they were still figuring in the defaulted SLs into the scores and negative reason codes.
None of the other scores for EX list this. Only on EX 2s.
This was froma 3B pull done via MF yesterday, right after accounts were deleted.
This is from today, a day after the 5 x derogs were deleted (note: new auto loan started reporting today, so scores are different):
Also, a new auto loan reported today, and scores reflect that, yet it still shows "no auto loan activity" for a negative reason code...
TU also only has these 2 x CAs and does not list under any scoring model "past due balances". I do have 2 x 120d lates, so I cannot gague if there is something going on there until next month when the 2 x lates age off.
My TU9 is horrible 495 and my TU8 is 610. That also happens to be my least dirty bureau. I just don't get it sometimes.
