MyFreeScoreNow (“MFSN”) has switched to a new Equifax format — here's how to fix your client's data

Previously, MFSN used TransUnion data.

Now they use Equifax.

Because account numbers will now display differently between bureaus, your existing imported accounts will not match on the next "Check New Updates" run.

Follow this guide to correct it — one time only.

⚠ Important: Who is affected?

Any client who was previously imported using the old TransUnion (MFSN) report and is now migrated to the new Equifax-based (MFSN) platform.

If your client was never imported before, you are not affected.

Key differences at a glance:

Detail	Old Platform	New Platform
Bureau Used	TransUnion	Equifax
Account Number Display	First 5 digits shown	Last 4 digits shown
Match on "Check New Updates"	Old format only	New format only — will not match old
Action Required	One-time fix per client	Future imports will auto-match

Key points to understand

One-time only. After completing this fix, all future reports will match automatically.
Old report used TransUnion data — first 5 digits of account number.
New report uses Equifax data — last 4 digits of account number.
Mismatch in account number format breaks the "Check New Updates" comparison.

Step-by-step fix:

1. Manually check for deletions this month

Do not rely on "Check New Updates" for this cycle — it will not match correctly yet. Please review deletions manually for this period only.

Note: Do this first — do not skip

2. Update any Deletions Manually on the Results Screen

If you identify deletions during your manual check, log them directly on the Results screen inside Client Dispute Manager.

3. Confirm your client is on the new MFSN platform

Make sure your client has switched over and has new login credentials for the updated Equifax-based MFSN.

4. Go to the Import Credit Report screen

Navigate to the client's profile and open the Import Credit Report screen inside CDM.

5. Re-import using the new MFSN login credentials

Use the client's updated Equifax-based credentials to run the reimport. This is what triggers the Equifax format.

To learn more about the Client Token Update, please click here.

6. Accept the "new accounts" pop-up alert

A pop-up will appear alerting you to new accounts. These are NOT actually new accounts — they are the same accounts formatted differently (last 4 digits vs. first 5). Go ahead and import them.

Note: This Is Expected behavior — not an error

7. On the Add Item screen, locate the duplicate accounts

You will now see two sets: the most recent Equifax accounts (just imported) and the older TransUnion accounts.

They represent the same accounts — just with different account number formats.

8. Remove all accounts where the number starts with the first 5 digits

These are from the old TransUnion report. Identify and remove only these. The accounts showing the last 4 digits are the correct Equifax accounts — keep those.

Delete old TransUnion accounts only

9. Put the remaining Equifax accounts back into dispute

Once the old TransUnion accounts are removed, re-initiate disputes with the New Equifax Accounts.

From this point forward, "Check New Updates" will match correctly in 30 days.

Important To Read: MyFreeScoreNow (“MFSN”) Vs New Credit Report :Check New Updates Feature

MyFreeScoreNow (“MFSN”) has switched to a new Equifax format — here's how to fix your client's data

Previously, MFSN used TransUnion data.

Now they use Equifax.

Because account numbers will now display differently between bureaus, your existing imported accounts will not match on the next "Check New Updates" run.

Follow this guide to correct it — one time only.

⚠ Important: Who is affected?

Any client who was previously imported using the old TransUnion (MFSN) report and is now migrated to the new Equifax-based (MFSN) platform.

If your client was never imported before, you are not affected.

Key differences at a glance:

Key points to understand

One-time only. After completing this fix, all future reports will match automatically.

Old report used TransUnion data — first 5 digits of account number.

New report uses Equifax data — last 4 digits of account number.

Mismatch in account number format breaks the "Check New Updates" comparison.

Step-by-step fix:

1. Manually check for deletions this month

Do not rely on "Check New Updates" for this cycle — it will not match correctly yet. Please review deletions manually for this period only.

Note: Do this first — do not skip

2. Update any Deletions Manually on the Results Screen

If you identify deletions during your manual check, log them directly on the Results screen inside Client Dispute Manager.

3. Confirm your client is on the new MFSN platform

Make sure your client has switched over and has new login credentials for the updated Equifax-based MFSN.

4. Go to the Import Credit Report screen

Navigate to the client's profile and open the Import Credit Report screen inside CDM.

5. Re-import using the new MFSN login credentials

Use the client's updated Equifax-based credentials to run the reimport. This is what triggers the Equifax format.

To learn more about the Client Token Update, please click here.

6. Accept the "new accounts" pop-up alert

A pop-up will appear alerting you to new accounts. These are NOT actually new accounts — they are the same accounts formatted differently (last 4 digits vs. first 5). Go ahead and import them.

Note: This Is Expected behavior — not an error

7. On the Add Item screen, locate the duplicate accounts

You will now see two sets: the most recent Equifax accounts (just imported) and the older TransUnion accounts.

They represent the same accounts — just with different account number formats.

8. Remove all accounts where the number starts with the first 5 digits

These are from the old TransUnion report. Identify and remove only these. The accounts showing the last 4 digits are the correct Equifax accounts — keep those.

Delete old TransUnion accounts only

9. Put the remaining Equifax accounts back into dispute

Once the old TransUnion accounts are removed, re-initiate disputes with the New Equifax Accounts.

From this point forward, "Check New Updates" will match correctly in 30 days.

You only need to do this once per client.

After completing these steps, all future credit report imports from MFSN will use the Equifax format and will match correctly when running "Check New Updates" going forward.

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MyFreeScoreNow (“MFSN”) has switched to a new Equifax format — here's how to fix your client's data

Previously, MFSN used TransUnion data.

Now they use Equifax.

Because account numbers will now display differently between bureaus, your existing imported accounts will not match on the next "Check New Updates" run.Follow this guide to correct it — one time only.

⚠ Important: Who is affected?

Any client who was previously imported using the old TransUnion (MFSN) report and is now migrated to the new Equifax-based (MFSN) platform. If your client was never imported before, you are not affected.

Key differences at a glance:

Key points to understand

One-time only. After completing this fix, all future reports will match automatically.

Old report used TransUnion data — first 5 digits of account number.

New report uses Equifax data — last 4 digits of account number.

Mismatch in account number format breaks the "Check New Updates" comparison.

Step-by-step fix:

1. Manually check for deletions this month

Do not rely on "Check New Updates" for this cycle — it will not match correctly yet. Please review deletions manually for this period only.

Note: Do this first — do not skip

2. Update any Deletions Manually on the Results Screen

If you identify deletions during your manual check, log them directly on the Results screen inside Client Dispute Manager.

3. Confirm your client is on the new MFSN platform

Make sure your client has switched over and has new login credentials for the updated Equifax-based MFSN.

4. Go to the Import Credit Report screen

Navigate to the client's profile and open the Import Credit Report screen inside CDM.

5. Re-import using the new MFSN login credentials

Use the client's updated Equifax-based credentials to run the reimport. This is what triggers the Equifax format.To learn more about the Client Token Update, please click here.

6. Accept the "new accounts" pop-up alert

A pop-up will appear alerting you to new accounts. These are NOT actually new accounts — they are the same accounts formatted differently (last 4 digits vs. first 5). Go ahead and import them.

Note: This Is Expected behavior — not an error

7. On the Add Item screen, locate the duplicate accounts

You will now see two sets: the most recent Equifax accounts (just imported) and the older TransUnion accounts.

They represent the same accounts — just with different account number formats.

8. Remove all accounts where the number starts with the first 5 digits

These are from the old TransUnion report. Identify and remove only these. The accounts showing the last 4 digits are the correct Equifax accounts — keep those.

Delete old TransUnion accounts only

9. Put the remaining Equifax accounts back into dispute

Once the old TransUnion accounts are removed, re-initiate disputes with the New Equifax Accounts.

From this point forward, "Check New Updates" will match correctly in 30 days.

You only need to do this once per client.

After completing these steps, all future credit report imports from MFSN will use the Equifax format and will match correctly when running "Check New Updates" going forward.

Related articles

Because account numbers will now display differently between bureaus, your existing imported accounts will not match on the next "Check New Updates" run.

Follow this guide to correct it — one time only.

Any client who was previously imported using the old TransUnion (MFSN) report and is now migrated to the new Equifax-based (MFSN) platform.

If your client was never imported before, you are not affected.

Use the client's updated Equifax-based credentials to run the reimport. This is what triggers the Equifax format.

To learn more about the Client Token Update, please click here.