Credit Score: Wrong detail on Derogatory marks

RobWilk

The text description says: "You do not have a single derogatory mark!"

But there is clearly one under Public Records, shown here.

Also, it says "Total marks: 0" and seems to not add up what is in the other two fields.

Coach Natalie

@RobWilk, thanks for reaching out to the Community with this issue!

I have reached out internally to inquire more about how this works, as it may be the way Equifax is feeding the data. In the meantime, to clarify, do you expect to have a public record under Derogatory Marks, or do you expect to see the "not a single derogatory mark" message?

Let us know!

RobWilk

I will admit here in 2018 i had a bankruptcy discharged. That is what the public record refers to. I expect the total to be 1. Mind you, after seven years, i also suspect it has less impact on my score.

Coach Natalie

@RobWilk, thank you for confirming!

I am still awaiting more information on how this is supposed to work, but if I don't hear back in the next couple of days, I think we can move forward with an escalation. Please remind me if you don't hear back from me by Wednesday or Thursday!

DannyB

The way I read this section is that a public record is not equivalent to a negative mark a ND are being reported as separate data points.

Coach Natalie

@RobWilk, I think we can go ahead and just get a ticket filed for this.

To do so, please provide the following:

1. The browser and browser version you're accessing the Quicken Simplifi Web App from.
2. The OS of the computer or device you're accessing the Quicken Simplifi Web App from.

Please also submit your logs via the 'Send Feedback' option:

1. Log in to the Quicken Simplifi Web App.
2. Select Profile from the left-hand navigation bar.
3. With the Profile menu open, hold down the Option key for Mac or the Alt key for Windows, and then click Send Feedback. 
4. Leave all boxes checked, add a brief description of the issue, and then click Send.

Thanks!

RobWilk

Chrome - Version 142.0.7444.60 (Official Build) (arm64)

MacOS 26.0.1

Submitted logs - report created - reference id 510687250927297280

Thank You

-Rob

Coach Natalie

@RobWilk, thank you!

I have escalated this issue and will be sure to post back here with updates.

SIMPL-30176