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Why Do The 3 CRA's Report So Differently

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7 Replies 934 Views

7 Replies

934 Views

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American Express 13
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amex 16
Amex 3xCLI 2
amex affecting fico score 1
AMEX BCE 1
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AMEX cards 3
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Amex Gold 3
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Credit Card 105
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Credit card closed 2
Credit Card Consolidation 7
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Credit card denial 1
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Credit Card Payments to CR 3
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credit cards 34
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credit disputes 6
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Credit inquiries 5
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Credit monitoring 85
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Credit Reporting Agency 8
credit reporting and lowering credit line for no reason that i can understand 1
credit reporting error 5
credit reports 20
Credit reports collections 9
credit repot 1
Credit requirement 1
credit score 69
Credit score decrease 6
Credit score fluctuations 11
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Credit Score Management 1
credit scores 23
credit scores dropping 8
credit scoring 5
credit scrub 1
Credit sesame 2
Credit simulator 1
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Credit Tracker 2
credit union 12
Credit Union Eligibility 1
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credit usage 1
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creditcard 1
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CreditKarma 2
creditone 1
Creditor 5
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creditwise 2
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CSP 1
Customer Service 7
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Dark web 1
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dates 2
dcu 2
DCU Credit 1
dealership 1
debit card 2
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Debt Management 328
Debt Paydown 9
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delete 1
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Deliquent payments 3
Denial 3
Denied 1
denied due to many inquiries 2
Dept Credit Consolidating 1
DEROG with UTIL% 1
Derogatory 6
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diamond 1
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DISCOVER CLI 3
Discover IT 3
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Discover secured 2
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dispute 23
dispute process 9
dispute progress 1
Dispute threshold 1
Disputes 49
Disputing late payment 3
diverse credit profile 1
diversified consultants 1
Diversity 1
divorce 1
document 1
DOFD 8
Dog Sitting 1
Dog Walking 1
Drivetime 1
Drop 1
drop in experian score 1
Dropped Scores 4
DTI 7
DTI ratio 2
due date 1
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early exclusion 7
early warning 1
education 2
EE 2
Elastic 1
employer 1
Employer credit pull 1
employment 1
Employment Verification 1
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EQ: 761 EX: 709 1
equifax 60
equifax credit freeze 1
equifax dispute 6
Equifax Fraud dispute 6
Equifax free credit freeze 2
Equifax Updating File Recycled Social Security Number 1
errors 6
estimate 1
Etc... 1
eviction 2
EWS 2
Excel 1
Exeprian dispute online block 1
Experian 60
Experian app score 1
Experian Boost 2
experian FICO 3
experian phone number 1
Experian slow to report and up date 1
Experian. Dispute. 9
ExperianIdWorks 1
Extra Income 1
Failed to Pay 1
failure to pay 1
fair collection 1
FAKO 10
Family 1
family financing 1
FCDPA 1
fco 1
FCRA 15
FCRA violation 4
FDCPA 2
fdcpa lawsuit federal collection agency 1
FED loan 1
Federal reserve 1
Federal tax lien 1
fell 1
felloff 1
Fico 25
fico 2 1
fico 4 1
FICO 5 4 and2 2
fico 8 9
FICO announcement 35
FICO announcements 4
fico definitions 1
FICO Essentials 1B 2
FICO July 2020: Eq-626 Trans-631 Exp-614 1
fico mortgage 1
FICO Score 383
FICO Score 1B Report 1
FICO Score 3B Report 5
FICO Score 9 35
FICO Score changes 767
FICO score drop 1
FICO Score Model 1
FICO Score versions 265
FICO scores 5
FICO Scoring 18
FICO Ultimate 3B 4
Fico versions 2
FICO2 1
FICO8 Bankcard 1
ficoscore 1
finance 3
Financial Review 1
financial trouble 1
financing 3
First card 1
First Mortgage 2
first premier 1
First-time home buyer 6
fix 1
fixing my credit 2
flagged account 1
flex 1
Ford Motor Credit 1
foreclosure 3
Foreclosure & Short sell 1
forums 1
Fraud 87
Fraud alert 11
fraud attempt 4
fraud dispute 5
Fraud protection 2
fraudulent 3
fraudulent account 1
free 1
free credit report 1
free credit score 2
free FICO score 1
free score 4
free trials 1
Freeze 9
freeze credit 5
Frontline 1
Frozen and fraud alerts 3
full credit history 1
Full File Disclosure 1
Fun 1
furniture 3
Garden 1
Gardening 5
garnishment 1
GC Collections services 1
General credit 17
General Credit Topics 4
General Question 6
GM Financial 1
Goal 800 1
Gold 1
good credit 1
good will 1
Good Will Letter 2
goodwill letter 3
Goodwill removal 5
Google pay 1
Google voice 1
graduate loans 1
graduation 1
great sports 1
Green Card 1
growing 1
GW letter 2
h 1
Hacked 2
hard 1
Hard inquiries 11
hard inquiry 6
hard money 1
Hard Pull 12
Hard pull inquiry 5
hard pulls 1
hardpull 1
HELOC 5
help 16
Help Boost my Credit 2
help learning about credit 1
Help ME!!! 2
Help Needed 1
Help Rebuilding 1
help with collections 3
Help! 5
high credit 1
high credit utilization 3
high interest 1
HIPAA 1
history 5
HOA 2
home 1
home depot 1
Home improvement 1
Home Mortgage 2
Hotel Status 1
Household Income 1
housing 2
Housing Payment 1
how many cc's 1
HP 8
Hunter Warfield 1
Hutton chase 1
I hate closing points 1
I phone financing 1
IC SYSTEMS 2
identify thefft 1
identity 4
identity Alert 1
Identity fraud 15
identity guard 3
identity theft 37
Idiots reported to the wrong person’s credit bureau 1
idk 1
illegal 2
immigrant 1
Impact 1
impact on future FICO 1
impersonation 1
improve 1
improving credit 5
Inaccurate info on report 3
income 2
Income Verification 2
incompetency 1
incorrect 1
incorrect reporting 3
Increase 6
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Increases 1
initial limits credit union usaa 1
Innovis 4
Inquiries 24
Inquiries FICO score 7
Inquiries Summary 5
inquiry 14
insolvency 1
Instacart 1
installment 1
installment loan 10
installment loans 2
insurance 6
Insurance Companies 1
intent to sue 1
interest 4
interest fee 1
interest rates 2
internet 1
invalid debt 1
investigation 1
Investing 2
iphone 1
iphone loan 1
iphone upgrade program 1
IRS 3
IRS Scams 2
Item remains 1
ITIN 2
iup 1
Jared 1
joint account 2
joint borrowers 1
joint credit card 1
joint mortgage 1
journey 2
JP Morgan 2
judgement 5
Judgements 1
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junk debt 1
kabbage 1
Kohls 1
L 1
landlord 1
Large credit lines 1
Large usage 1
Last Four 4 social security debt collector call verification 1
late 1
late alerts 1
late fee drop off 1
late payment 13
late payments 12
late reporting 3
Late to the Credit Party 1
latestagecreditportfolioproblems 1
Law 2
Law suit 1
lawsuit 4
learning curve 1
lease 6
legal 4
legal action 2
legal advice 1
legal fees 1
Legal timeline to a collection agency 1
lender 2
Lender Approval 2
Lenders 2
lending club 5
Length of time account have been established 2
LexingtonLaw 1
Lexis Nexis 1
LexisNexis 10
lien 1
lien removal 4
liens 1
LightStream 1
limit 1
Limit increase 1
Limited credit history 2
Line of Credit 8
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literally 1
LN 1
loan 9
loan and credits 4
loan applications 1
Loan approval 10
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loan payoff 2
Loanbuilder 1
Loancare 1
Loans 30
LOC 4
lock credit 1
low income 1
Low Scores 4
lower 1
LVNV 1
Macy's Amex 1
Macy's Website 1
mailers 1
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many inquiries 1
Maryland 1
mastercard 2
maxed out 2
maximum 1
medical 7
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medical bills 4
Medical Collection 8
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Medical debt collection 8
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medicalcollections 1
Members 1
Membership 3
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mf 1
Mid cycle update 3
midcycle 1
Midland 1
Military Star Card Collections 1
Missed Payment. 2
Missing Return 1
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mix 1
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monitoring 4
Mortage loan 3
mortgage 25
mortgage credit 6
mortgage credit raise score 1
mortgage default 1
Mortgage History 2
mortgage loan 10
Mortgage scores 5
Mortgage Transfer 2
mortgagescores 1
Multi-charge off 1
Multiple reportings 1
My Story 1
myfico 12
MyFico 3Bplus credit report experience 2
Myfico account 4
Name Change 1
name variations 1
NASDAQ 1
national consumer assistance act 1
nationwide acceptance 1
Navient 1
navy federal 1
Navy Federal approval 1
Navy Federal Credit Union 2
Navy Federal Membership 1
ndc 1
Need advice 1
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Need loan fast 1
Negative 1
Negative items or DEROG 186
Negative Remarks 3
negative reporting 3
nelnet 1
never late 1
new 2
New Account 3
new accounts 1
New approvals 1
New auto loan and FICO 1
New car loan while old shows balance 1
New CLI 1
new credit 4
New credit & loan 305
New credit & loans 3
New credit card 4
New credit user 1
new home 1
New inquiry 2
new line of credit 1
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new to credit 5
newbie 3
Newegg 1
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NFCU 14
NFCU 2nd CC 1
NFCU Cash Rewards 1
NFCU CLI 1
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NFCU navy federal navy fed 1
NFCU shared secured loan 1
Nfcu visa platinum 2
NMAC 1
no credit 2
no credit history 2
no credit while paying family for home loan 1
No dv letter response 1
no explanation 1
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no hard inquiry 1
no hard pull 1
non-FICO credit scores 135
Non-FICO Scores 2
Nordstrom Visa 1
Not more than 2 payments past due 1
Not opening macy card 1
not reporting 2
not updating 1
nyc 1
NYSE 1
Of 1
off 1
off cycle update 2
Off-cycle update reporting Fico score improvement 2
old 1
old accounts 2
old debt 5
Old late payments 2
OneMain Financial 1
Online banking 3
only soft inquiry 1
Onsale 1
open 1
open credit 1
openorclose 1
opt in 1
opt out 1
Opt-out 3
options 1
OptOut 1
Other 979
outstanding debt 1
p2p loans 2
paid 2
paid as agreed 1
paid medical debt 1
Paragraphs added.. For human consumption. 1
past due 4
past due bills 1
pay for delete 2
pay ment systems 1
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Pay-for-delete 1
paydown 2
Paying off debt 5
payment 3
payment history 6
payment method 1
payment plans 1
payments 3
payoff 2
Paypal 6
PayPal Cashback MasterCard 1
paypal collection 2
Paypal Credit 8
pays as agreed 1
peer to peer lender 1
Pen Fed 4
Pen Fed approval 1
Pending 1
penfed 9
PenFed Auto Loan 1
PenFed Offers 1
PenFed Power Cash Rewards 1
PenFed Promise 1
Percentage 1
Perfect Score 1
persona loan 2
personal 1
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Personal finance apps 14
personal lines of credit 3
Personal loan 33
personal loans 11
pfd 2
phillips & cohen 1
phillips and cohen 1
Phone 3
Planning 1
Platinum Credit Card 2
Please Help 1
PLOC 3
PLOC APR REDUCTION 1
Point drop 1
poor credit 1
portfolio 1
Pre Approval 7
Pre-Approval 1
pre-qualified 4
Preapproval affinity 1
Premier Financial Credit Union 1
PRG 1
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Primary card holder deceased 1
Privacy 2
private loans 1
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Propel. 1
prosper 3
Prosper Loan 1
public records 4
purchases 1
Question 22
questions 1
QuickSilver 2
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raise score 1
raising credit score up fast 1
Ratio 1
Rausch sturm israel enerson & hornik 1
Reaffrimation 1
rebuild credit 2
Rebuilding 21
Rebuilding and application advice 1
Rebuilding credit 17
Rebuilding Credit after Bankruptcy 3
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Recon 1
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Redcard 2
refinance 4
Refinance of Rental Property 1
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reinsert collection 1
relationship 1
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relationships 1
Remarks 2
remodel 1
Removal 7
Removal dates 1
removal from credit report 6
removal letter 1
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remove 2
Remove credit limits 1
Remove State Liens 1
removed 1
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rent 6
rental 3
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renting 2
repair 2
Repay 2
Report 1
report discrepancy 8
Report freeze 2
reporting 34
reporting dates 4
Reports 8
repossed vehicle 1
repossession 5
resident 1
restaurants 1
Retail cards 250
Retirement 1
Revenue group 1
revolving credit utilization 2
revolving line of credit 3
reward cards 1
Rewards 7
Rewards cards 313
REWARDS CREDIT CARDS 2
Roamans 1
roommate 1
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Rosenthal 1
Rover 1
run 1
RV loan 2
saferwholsale 1
Sallie Mae 1
Sams Club 1
Sams Club Mastercard 4800 1
Samsung 1
Santander auto 1
Saving 4
savings 2
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say no having the strengtth say no. 1
Scam 6
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sccu 1
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score 18
Score and bankruptcy 1
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score impact 4
Score improvement 536
Score Improvement. 8
score increase 3
Score ingredients 85
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Score updates 3
scores 8
Scores increase 3
scores updating 1
ScoreWatch Equifax 1
scrores 2
SCT 1
SCT - easy come...easy go!!! 1
sd 1
secure credit card 1
secured 2
secured cards 2
SECURED CREDIT CARD 8
secured loan 6
security 1
Security Breach 2
security freeze 3
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see 1
self 1
Self Lender 1
selflender 1
sesame 1
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set to be deleted 1
settlement 3
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Share lender credit builder credit loans 1
Shellpoint 1
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Shopping Cart Trick 1
Shopping Cart Trick 2018 1
simulator 5
sleep number 1
Sleepys 1
slow to report 1
small claims 1
Small claims court 1
sms 1
sms alertts 1
social security 1
sofi 3
Sofi personal loan 3
soft inquiries 7
Soft pull 11
soft pulls 4
SOL 1
SP 2
Spark 1
Spending debt 1
split file 2
split files 2
spousal fraud 2
spreadsheet 1
SSI 1
SSL 5
SSN 6
SSN Trace report 1
Star Card 2
startedatthebottomnowImhere 1
State Tax Lien 1
statement 5
Statement close date 3
Statements 1
statue of limitations 3
statute of limitations 2
Stock Market 1
store card 2
store cards 3
Store Credit Cards 3
Story 1
stress 1
student 4
student loan 8
Student loan age of credit history 3
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Student Loan Simulator 1
student loans 14
subprime 1
subprime cards 2
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success 1
sue 2
sued 2
Sueing 1
Suggestions for BT card 1
sunrise credit services 1
superior rental purchase 1
SYNCB 2
Synchrony 8
synchrony bank 2
Synchrony care credit 1
synthetic identity fraud 1
T mobile 2
T-mobile 1
target 1
Target Card 3
tax 2
tax lien 2
tax refund 1
taxes 1
TCPA 1
Tech Issue 1
Tequila Shots 1
Texas 1
Texas Debt Verification 1
Texas Guarentee 1
Thin 1
Thin File 2
third party debt collectors 1
Time since most recent account opening is too short 1
timeline 1
Timing 1
tips 1
Too many credit cards 1
too many inquiries 1
too much available credit 1
tradelines 3
trades 1
traffic ticket 1
Trans-union TU score jumping 1
Transferring Credit Lines 1
transunion 34
transunion dispute 7
Transunion TU score jumping 1
Transworld Systems 2
tranunion dispute 1
Travel cards 90
Travel rewards 2
Truist 1
Truist bank 1
TSI 1
tu 9
TU: 777 1
Tuition 1
TX 1
types of loans to keep 1
U.S. Bank 2
UI 1
Ultimate 3B 1
Ultra FICO 1
unusual behavior 2
update 2
updates 5
upgrade 1
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upstart 1
us bank 2
US Bank Premier Line of Credit 1
Usaa 1
usage 2
USPS 1
utility 1
utility bill 1
utilization 23
utilization decrease 1
Uverse 1
VA 1
va loan 4
vantage 3
Vantage Score 9
VantageScore 4
Variance between OC & collections dates 1
vehicle 1
vehicle repossession 1
Venture 1
Verification 3
verizon 2
Verizon Fios 1
victim 1
Victoria's secret 1
visa 2
VISA cards 2
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Volvo 1
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wage garnishment 1
WagWalking 1
Walmart 1
Walmart Synchrony 1
wayfair 1
website 2
websites 1
Wells Fargo 4
wells fargo dealer services 1
Wells Fargo Propel 1
when is it 30 days past due 1
Which first for least impact on credit 1
Why did my Scores Drop 1
without hard inquiry 1
without hard pull 1
Wondering 1
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worth card to apply 1
Wrong address 1
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X1 1
You Can Get to 850 1
young 1
zelle 1
zero 1
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zombie debt 1