My fico transunion and experian are 645. A lender pulled my score and said they are both 599! I know they use a different scoring model but what are they using? How do I know when my credit gets up there?
I have 4 collections and a balance on a credit card which I will have at least two collections removed and the CC paid off. Will this be enough?
They said a 2007 charge off hit my report again for some reason.
What do I do?
A chargeoff hit your report again? Did you get it off of there before? Was it disputed before? Did the CRA send you verification that this was added back to your CR?
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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NO, it seems like they are reporting them Montlhly 
I disputed these back in July and they all came back verified. OMG I am married to these things.
| Date Reported: | 10/2012 |
| Date Assigned: | 02/2008 |
| Creditor Classification: | Medical/Health Care |
| Creditor Name: | RUSSELL D D S INC |
| Account Number: | 840XXXX |
| Account Owner: | Individual Account. |
| Original Amount Owned: | $564 |
| Date of 1 st Delinquency: | 03/2007 |
| Balance Date: | 10/2012 |
| Balance Owned: | $564 |
| Last Payment Date: | |
| Status Date: | 10/2012 |
| Status: | D - Unpaid |
| Comments: | Consumer disputes this account information, Medical |
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