I am preparing credit to purchase house in early 2008. Recently pulled TU, Experian, and Equifax CR's. The TU and experian CR's have my score at about 680 & 660 respectively, but the equifax has it at 577! Discovered this when my credit union denied me for a auto refinance based on the equifax report. I compared the 3 reports and all the same info is there - some good, some bad. The TU shows a BR from 1997 that is scheduled to drop in April 2007, but the Equifax with lower 577 score does NOT show it.???? I have one CC with a $300 limit that is PIF each month. I've had auto loans since 2003. Never missed a payment on anything else in years. Stable job since college brings in $50+/yr. 3 old CC's were charged off from 2001-02 and are still on CR as unpaid. When should these go away? Will they ever "stop" being reported? Anyone know why the difference in scores may be happening? Also, any tips for boosting scores in the coming 6-9 months? In 2004 my score was 520's, don't understand why the equifax report is not consistent with increased scores from other reports. Thanks in advance.Did you pull them all from a FICO site of from the individual bureau sites and include the scores? If you pulled them from TU and Equifax they use a different scoring model. Those scores are generally higher than a true FICO
I just had a one hour discussion with a very knowledgeable person named Daphne who works with a company called (edited by Admin) This company is HIGHLY professional and trustworthy and are extremely patient. Daphne can explain things clearly and even provided insight into ways that they can "add" lines of credit to your report to help heal your credit. I am on this site today because Daphne advised me to pull my credit myself. She explained that this constitutes a "soft pull" in the eyes of the lender. Next I am going to send her a copy of my report and sign on for her services. I will keep you all posted on my progress if anyone is interested. Cheers!
I hat to throw water on your idea. As te PP said, you would do better o work on this yourself. More than likely they will simply continuously dispute negative tradelines as 'not mine' Some may fall off but a determined collector will just keep on verifying. As far as adding old tradelines, unless the cardholder is dead, no sane person would allow you access to their credit card lines, seeing that you could just call up the issuer and request a card in your name. If they are dead, its illegal. The las time I saw such a service offered it was 5k I sure you could put that mony to much better use.What happens if this marvelous tradeline you have added to your account is suddenly coded fraudulent, maxed out or worse yet included in BK?Most intelligent, highly professionaly and trustworty organizations are going to tell YOU how to fix your report not offer illegal or immoral scams such add adding bogus tradelines or opening up busines credit with an EIN to reestablis credit.
sweet_tea wrote:I ran my reports last year and found that TU was the only one that pulled up an old utility bill. This year it also pulled up a judgment against about the same utility bill. The judgement is from 2003 and this is the first time I've seen anything about it.Ex and Eq have always been the least in depth in my experience.I am totally confused by the vantagescore. This was the only site that gave me my FICO score which was higher than all three of my vangtagescores. According to vantagescore I'm sub-prime but my FICO score lists me as having good credit.I hate the fact that now my financial future depends on which report is pulled. It's seems so random.The Vantage score was designed for people with limited credit history or past credit problems to get a shot based on their recent performance. That being said, this score takes into account the past two years of account acivity.