@DR527 wrote:Yeah. That's the frustration. MyFico is having me continue to go back to the credit bureaus. But the credit bureaus are all showing the correct information. MyFico is telling me that they are only reporting what they received. But that can't be true if my current credit report is not showing those things. For example 4 months ago I got Capital One to remove a comment on my Equifax report. It is still showing on MyFico but not Equifax. MyFico is throwing their hands in the air saying that they only report the information they get. But how do I dispute something that is not on my report??
myFICO is solely providing reports and generating scores based on what is given to them in real-time from each of the 3 major credit reporting agencies. They do not add or subtract any information from your reports and are not a credit reporting agency.
Where else other than myFICO have you obtained your Equifax report and are they from similar dates? Sites like Credit Karma will show you information from your credit reports but it may be incomplete, so it may appear as though information may be absent. If you have not already done so in the past 12 months (or twice in 12 months if you live in an applicable state), I would get your credit reports from annualcreditreport.com to see if the information appears there.
@DR527 wrote:They normally send me a new report every three to four months.
When you say they normally send you a new report - do you mean hardcopy (paper) reports in the mail? If so, then what you are seeing on the hardcopy is the exact info in your credit file - regardless of what other web-based reports say. Perhaps providing a copy to that to myFICO (by mail) with an explanation would help resolve the issue...? If not, then I would suggest you request a hardcopy of your reports from each bureau just so you can double check that everything is, in fact, accurate and go from there.
Another Q: Are the scores provided by myFICO accurate? Have you compared them with FICO scores received from other sites like Experian.com or CreditCheckTotal.com to see if they are reflecting the same? Because if the scores are accurate, but the data is wrong, then this may just be an issue with how myFICO CMS is retrieving and displaying data and youll have to decide whether it's worth keeping the service just for the sake of getting your scores.
How often is MyFico updated? Maybe you have the version that updates quarterly and they just havn't put out the new version yet and the CRAs are giving you a more updated version.
Given that possibility and given that MyFico is reporting to anyone but you having had taken simple what they saw when they last updated - your response doesn't seem to be in line with the situation.
But that's just my take...
Starting Score: F8 3xx