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MYFICO reporting information that is not on credit report

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aaidooo8955
New Visitor

MYFICO reporting information that is not on credit report

Has anyone had issues with things appearing on MYFICO that aren't on thier credit report?  I called MyFICO and they stated they get the information from the credit reporting agency. But, when I called Equifax they stated they are not reporting and provided a updated credit report which shows they are not reporting it. They keep bouncing me between each other. They are reporting a fraudelent account that Equifax removed. When I call equifax they stated they are not reporting it and provided an udpated credit report showing it isn't there. So, if that's the case where are they getting it from? 

 

 

Message 1 of 6
5 REPLIES 5
GZG
Valued Contributor

Re: MYFICO reporting information that is not on credit report


@aaidooo8955 wrote:

Has anyone had issues with things appearing on MYFICO that aren't on thier credit report?  I called MyFICO and they stated they get the information from the credit reporting agency. But, when I called Equifax they stated they are not reporting and provided a updated credit report which shows they are not reporting it. They keep bouncing me between each other and at this point I will have to ask for legal help because this is affecting me financially. They are reporting a fraudelent account that Equifax removed. When I call equifax they stated they are not reporting it and provided an udpated credit report showing it isn't there. So, if that's the case where are they getting it from? 

 

 


check your actual EQ report from here: https://www.annualcreditreport.com/index.action 

 

if it's not on that report, it's not on your report.

 

FICO's report doesn't update dynamically.

 

it won't update until you get another pull of your report(s) from your myFICO product, so if FICO's pull wasn't recent, it wouldn't update the removal. 

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

Message 2 of 6
aaidooo8955
New Visitor

Re: MYFICO reporting information that is not on credit report

Thanks for the information. I am looking at the updated MYFICO report as of today. I have both reports as of today MyFico is showing the account and Equifax is not. I also pulled from annualcreditreport.com and it's also not showing there on Equifax. I am unclear if the information and scoring we see in myfico is what lenders or landlords see as well for fico scoring? If so, it could be showing the m the wrong info.  I guess will wait another month to see if fixes itself. This account has been removed from Equifax several months ago

Message 3 of 6
GZG
Valued Contributor

Re: MYFICO reporting information that is not on credit report


@aaidooo8955 wrote:

Thanks for the information. I am looking at the updated MYFICO report as of today. I have both reports as of today MyFico is showing the account and Equifax is not. I also pulled from annualcreditreport.com and it's also not showing there on Equifax. I am unclear if the information and scoring we see in myfico is what lenders or landlords see as well for fico scoring? If so, it could be showing the m the wrong info.  I guess will wait another month to see if fixes itself. This account has been removed from Equifax several months ago


is that tradeline on your other reports? tu/experian? 

 

did you get a 3 bureau pull from myfico or just a 1 bureau pull from myfico (equifax pull)? 

 

no, the information that is on your actual report should be the only information that anybody who access your report should be able to see and if they are seeing other information, that would probably be a massive FCRA violation? 

 

all of the credit report aggregators (CK, myFICO etc.) are imperfect when it comes to copying over the information from the real report onto their websites, but the direct reports themselves should still be accurate 

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

Message 4 of 6
aaidooo8955
New Visitor

Re: MYFICO reporting information that is not on credit report

Ok that makes sense.  I was under the impression that information from MyFico  is what creditors would see as far as FICO scoring. I pulled all 3 and it's not appearing with other agencies (TU/Experian).  

Message 5 of 6
whatsgooddoc
New Visitor

Re: MYFICO reporting information that is not on credit report

I have the exact same issue.  Myfico is reporting a paid and deleted collection from 2023 that Equifax has confirmed is not reporting.  I tried to dispute with Equifax but they can't because the collection doesn't appear.  I even called the collection agency and they informed me that the account should not be reporting.  Not sure what else to do.

Message 6 of 6
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