I have a question for you. Why does myFICO's Score Watch Equifax product differ from the actual Equifax reports as it relates to open accounts? FICO is showing my bogus child support tradeline as inactive/closed while EQ shows it in the open account summary. FICO shows a four month paid up car loan as open EQ does not. FICO shows a Cap One credit card closed in May 2005 as open while EQ does not. Any idea why there are discrepancies?