I have registered with privacyguard and have been checking my credit reports. I have noticed that my sallie mae loans are reporting differently on equifax than on experian and transunion. my pg 'faco' for equifax is 630 w/ 1 recent inquiry, whereas my experian fako is 582 w/ no inq, and tu is 577 w/ 2 recent inqs.

On equifax, both loans show up under 'SALLIE MAE - FFELP' with a continuous good standing from the date of opening (nov-2000, aug-2001) until current. There are no lates during this time.

on experian and transunion, they show up as several different accounts.

from 3/2004 to current, tu and exp. show 'SALLIE MAE LSCF' pays as agreed.

from 10/2003 to 2/2004 tu shows 'SM SERVICING' with transferred/paid as agreed.

thru 2/2004 experian shows 'SALLIE MAE 3RD PRTY LSC' with transferred to another office / N/A

there are no lates on any of these tl's.

I do however have one 30 day late showing on tu and ex (but not on equifax) for a citibank student loan that is otherwise reporting the same for all three bureas, and is one tradeline from opening to current.

what i want to know is if these split tradelines and 'transferred' status are helping to account for the 60 point delta in my faco scores, or if one 30 day late from 12/2002 makes that much difference.

any opinions?

thanks in advance,
Robert

Sallie Mae does that. My 3 reports have different names on them too. From what I can tell, it doesn't affect the scoring.

Yes, one 30 day late can make that much of a score difference. Other tradelines that you have might also be affecting your score too. Another factor is that you are looking at FAKO scores, not true FICO. Fako scores can be pretty wacky sometimes, so don't pay much attention to them other than as a general indicator of progress or improvement. Your true FICO scores could be drastically different.