Trying to understand the differences in the insights from different CB's

[Anonymous]

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@CreditPuppy wrote:

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@Anonymous wrote:
I agree the negative Reason Codes are good and the ingredients section of MF is good, the other portions, we don’t know.

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But Birdman, that is what I was having the question about - the ingredients section of MF (called insight).  The reason codes lie.  For example, FICO 5 states I have a missed payment.  I do not have a missed payment on any of my annual or short reports.  Actually, FICO 8 reason code from EquiFax gives me a positive reason code for no missed payments.

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@CreditPuppy I meant typically. Obviously in your situation something is amiss. But those are the two things we can normally count on and because something is wrong there, we know something is wrong somewhere. Did you pull your report from annualcreditreport.com?

[CreditPuppy]

@Anonymous Yes. I got the reports from ACR. 0/30, 0/60 reported. 1 BK to drop 5/21. 100% on-time payments.

[Anonymous]

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@CreditPuppy wrote:

@Anonymous Yes. I got the reports from ACR. 0/30, 0/60 reported. 1 BK to drop 5/21. 100% on-time payments.

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@CreditPuppy at this point you have verified it's not on your ACR report, so you need to contact Equifax customer service. You are not debating your score or the contents of your credit report, but the fact that you're getting a negative Reason code on version 5 that says you have a missed payment when there is no missed payment in the credit report. That's what you need to tell a supervisor. That would be my advice.

and to further expand on your original question about the differences in score between bureaus, the algorithms are generated using the unique dataset from the respective bureau for a particular time period.

That alone makes differences, and then you're subject to varying levels of customization per CRA request. So this explains differences with identical data. 

[dragontears]

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@CreditPuppy wrote:

@Anonymous Yes. I got the reports from ACR. 0/30, 0/60 reported. 1 BK to drop 5/21. 100% on-time payments.

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Can you post the exact wording of the reason code? I just want to make sure that the reason code isn't referencing your BK and you are interpretation is that it is referencing a late payment. 

[CreditPuppy]

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@Anonymous wrote:

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@CreditPuppy wrote:

@Anonymous Yes. I got the reports from ACR. 0/30, 0/60 reported. 1 BK to drop 5/21. 100% on-time payments.

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@CreditPuppy at this point you have verified it's not on your ACR report, so you need to contact Equifax customer service. You are not debating your score or the contents of your credit report, but the fact that you're getting a negative Reason code on version 5 that says you have a missed payment when there is no missed payment in the credit report. That's what you need to tell a supervisor. That would be my advice.

Thanks. That is what I did. They said they shall look into it after I gave them the negative reason code. I figure I will give them 2 weeks to rectify. Oh, and last night I read your primer. VERY interesting stuff. Now I am excited to see what happens in May when I switch between an aged dirty card to a new clean card. Since I had two different paths I took repairing and adding tradelines between my wife and me I am interested in what the differences will be.

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[Anonymous]

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@CreditPuppy wrote:

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@Anonymous wrote:

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@CreditPuppy wrote:

@Anonymous Yes. I got the reports from ACR. 0/30, 0/60 reported. 1 BK to drop 5/21. 100% on-time payments.

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@CreditPuppy at this point you have verified it's not on your ACR report, so you need to contact Equifax customer service. You are not debating your score or the contents of your credit report, but the fact that you're getting a negative Reason code on version 5 that says you have a missed payment when there is no missed payment in the credit report. That's what you need to tell a supervisor. That would be my advice.

@CreditPuppy Wrote:

Thanks. That is what I did. They said they shall look into it after I gave them the negative reason code. I figure I will give them 2 weeks to rectify. Oh, and last night I read your primer. VERY interesting stuff. Now I am excited to see what happens in May when I switch between an aged dirty card to a new clean card. Since I had two different paths I took repairing and adding tradelines between my wife and me I am interested in what the differences will be.

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@CreditPuppy i'm very glad you enjoyed the Primer and I'll look forward to your scorecard reassignment as well. please let us know the data points, before and after.

wow you read it all in one night? You were busy!! 

[CreditPuppy]

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@Anonymous wrote:

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@CreditPuppy wrote:

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@Anonymous wrote:

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@CreditPuppy wrote:

@Anonymous Yes. I got the reports from ACR. 0/30, 0/60 reported. 1 BK to drop 5/21. 100% on-time payments.

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@CreditPuppy at this point you have verified it's not on your ACR report, so you need to contact Equifax customer service. You are not debating your score or the contents of your credit report, but the fact that you're getting a negative Reason code on version 5 that says you have a missed payment when there is no missed payment in the credit report. That's what you need to tell a supervisor. That would be my advice.

@CreditPuppy Wrote:

Thanks. That is what I did. They said they shall look into it after I gave them the negative reason code. I figure I will give them 2 weeks to rectify. Oh, and last night I read your primer. VERY interesting stuff. Now I am excited to see what happens in May when I switch between an aged dirty card to a new clean card. Since I had two different paths I took repairing and adding tradelines between my wife and me I am interested in what the differences will be.

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@CreditPuppy i'm very glad you enjoyed the Primer and I'll look forward to your scorecard reassignment as well. please let us know the data points, before and after.

wow you read it all in one night? You were busy!! 

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😆 It was a night off. I work nights, and I am kinda of a math nerd, so it was edge of my seat type of reading for me. I'm wierd that way. Where do you want the data points?

[Anonymous]

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@CreditPuppy wrote:

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@Anonymous wrote:

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@CreditPuppy wrote:

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@Anonymous wrote:

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@CreditPuppy wrote:

@Anonymous Yes. I got the reports from ACR. 0/30, 0/60 reported. 1 BK to drop 5/21. 100% on-time payments.

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@CreditPuppy at this point you have verified it's not on your ACR report, so you need to contact Equifax customer service. You are not debating your score or the contents of your credit report, but the fact that you're getting a negative Reason code on version 5 that says you have a missed payment when there is no missed payment in the credit report. That's what you need to tell a supervisor. That would be my advice.

@CreditPuppy Wrote:

Thanks. That is what I did. They said they shall look into it after I gave them the negative reason code. I figure I will give them 2 weeks to rectify. Oh, and last night I read your primer. VERY interesting stuff. Now I am excited to see what happens in May when I switch between an aged dirty card to a new clean card. Since I had two different paths I took repairing and adding tradelines between my wife and me I am interested in what the differences will be.

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@CreditPuppy i'm very glad you enjoyed the Primer and I'll look forward to your scorecard reassignment as well. please let us know the data points, before and after.

wow you read it all in one night? You were busy!! 

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😆 It was a night off. I work nights, and I am kinda of a math nerd, so it was edge of my seat type of reading for me. I'm wierd that way. Where do you want the data points?

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@CreditPuppy when everything comes in, you can start a new thread with before and after data points for scorecard reassignment. Just ping me! 

glad you enjoyed it so much, sounds like you enjoy it as much as me! 

[Anonymous]

@CreditPuppy you said you took two different routes to repairing your credit and your wife's. I'd certainly be interested in hearing the differences, if you'd like to share? And the differences in the results as well! I'm a data nerd too. 

[CreditPuppy]

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@Anonymous wrote:

@CreditPuppy you said you took two different routes to repairing your credit and your wife's. I'd certainly be interested in hearing the differences, if you'd like to share? And the differences in the results as well! I'm a data nerd too. 

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Lol. No problem. In credit repair?