Over three years ago I documented that Equifax myFICO reports often contain entirely FICTITIOUS and extremely FICO score lowering RECENT late payments. A FICO scoring software “bug” misinterpreted the charge-off reporting as late payment.
This can NOT be fixed by Equifax as the Equifax direct report does not contain these late payments.
I notified Fair Isaac, but [...]
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Recent Posts
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- FICO scores STILL create fictitious late payments on Equifax reports
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Categories
- After bankruptcy reporting (3)
- Analyzing myFICO reports 101 (4)
- court ruling (2)
- Debt buyers (2)
- Debt Settlement (1)
- FICO scores (2)
- FTC Complaint (1)
- General (3)
- Illegal collection practices (3)
- Proposed Legislative Changes (2)
- Systemic violations (7)
- Experian lates AFTER charge-off (2)
- Experian MISSING date of first delinquency or charge-off for ALL collections (1)
- Experian MISSING date of first delinqueny / charge-off (2)
- Experian refusal to investigate factual disputes (1)
- myFICO Equifax FICTITIOUS late payments (1)
- Student loan balances higher than high credit (2)
News Releases and Open Letters
- 2/26/07: Open Letter to Fair Isaac Regarding its Addition of FICTITIOUS Derogatory Data to Credit Reports and Sale of Defective myFICO Reports
- 3/7/06: Notice to Arizona Department of Financial Institutions of First Magnus Financial Corporation Payments of Illegal Kickbacks (RESPA) And False Advertising (TILA)
