No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Good Morning,
I pulled my Equifax score, and it is way lower than Myfico.
Current FICO is 522 and Equifax is 387, why such huge difference? Which score is more accurate?
Here is my credit Restoration Plan:
Sent Debt Validation Letters to the Following Agencies via Certified Letter:
Collection Accounts
Accelerated Financial
Open Date 12/2013
Amount: 630.00 ~ Received certified letter stating that they will remove debt until they are able to provide proof.
Enhanced Aquisition
Open Date 12/2013
Amount $1,068 and $204.00
Southwest Credit Systems
Open Date 11/2012
$155.00
Northeast Credit & Collection
Open Date 1/2014
$932.00
Allied Interstate
Open Date 12/2014
Amount $58.00
Transworld Systems
07/2014
$663.00
Best Service Company
05/2012
Amount $247.00
ARS Resolution
05/2014
Amount: $64.00 & $1,167.00
(If the accounts are validated within 30 days, I will send certified letters requesting PFD.)
Need advice on how to handle the accounts that are closed, but are still being reported on a monthly basis.
The EQ credit score is a proprietary in house score and is not used by any lender, its a FAKO and should be disregarded. Fico scores are the scores used by lenders. CA accounts that are closed should not be updating monthy. OC accounts can update monthly even if they are closed but typically dont once paid. For paid derogs you want to use GW letters to ask for forgiveness. Here is the GW Letter thread:
Has anyone else noticed that the EF score is lower? I am an Equifax member also and I use it to see when my credit cards get reported because I am trying for a loan. EF says my score is 560 but will rise to 640 when the cc report the new balance. I'm thinking and hoping that 560 is low compared to fico but just wondering if anyine else has noticed the same. Thanks.