Why are my scores so different? 82 Points?

[MamboItaliano]

Regarding the reason I asked about the lender pull was to see if there were any significant changes to your tradelines (like a recent collection or something else that may have popped up) that would have that affect. The only thing I can think of is a super-recent item that we're overlooking. 

Regarding the CA: How far up the pecking order did you go with the First Premier collection? Most times you will get zero results talking to some lackey. 

[GregB]

Both reports seem to have lots of negatives and I wonder why either is above 600. I assume the Collection and Charge Off on TU are having a bigger effect than the large number of 120 Day Lates on EQ.

I would work on those two items first.

It does look like you won't be buying a house soon if you have to wait for those to age off your reports.

[turts14]

I just re pulled my Equifax from my fico and here is what I have left for negatives.  I have attempted a PFD with porfolio and they have not budged, I even emial the vice president who said they would not PFD.  Should I pay this off now and attempt a GW?  Same for First Premier Bank?  Let me know what your thoughts are.  I have sent a letter to NBC to find out if they can makes adjustments to the payment history on that account as well.  Any help would be appreciated.  Equifax is at 639

FST Premier		11/2008	$424	120+ days past due
Cap One		5/2011	$29	Pays account as agreed	No
Stb/Glelsi	XXXXX4303	9/2001	$6,253	Pays account as agreed	No
Wellsfargo	XXXXXXXXXXXX0004	5/2002	$0	Pays account as agreed
Wellsfargo	XXXXXXXXXXXX0002	8/2003	$0	Pays account as agreed
Wellsfargo	XXXXXXXXXXXX0001	8/2003	$0	Pays account as agreed
Wellsfargo	XXXXXXXXXXXX0003	9/2001	$0	Pays account as agreed
Wellsfargo	XXXXXXXXXXXX0005	1/2003	$0	Pays account as agreed
Portfolio		3/2009	$751	120+ days past due	No
Hsbc Bank		2/2007	$0	Bad debt/collection
Nat Bk Com		1/2004	$0	120+ days past due
Wellsfafi	XXXXXXXXXXXXX9001	6/2007	$0	Pays account as agreed	No
Nat Bk Com		7/2003	$0	Pays account as agreed	No
Nat Bk Com		3/2002	$0	Pays account as agreed	No

[MamboItaliano]

My opinion is that there is something drastically wrong with either your EQ or your TU. Something isn't reporting correctly or something hit your TU so recently or so hard that it is causing this discrepancy. 

Any idea what your EXP Fico is? With FHA they're going to take your mid-score and that might be a good indicator as to which CRA is off. Yes, I know you pulled a TU98 and that's outdated, but I can't imagine it being as far off as that. 

I'm honestly baffled as to why the difference between TU and EQ. 

[deemutz]

I have no input on the score differances, but as for the FHA needing a 640 FICO, it is actually a 580 FiCO to be considered

from the websiteGenerally speaking, to get maximum financing on typical new home purchases, applicants should have a credit score of 580 or better. Those with credit scores between 500 and 579 are, according the the FHA guidelines, "limited to 90 percent LTV".

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http://www.fha.com/fha_article.cfm?id=200

[ztnjpv]

Both reports seem to have lots of negatives and I wonder why either is above 600. I assume the Collection and Charge Off on TU are having a bigger effect than the large number of 120 Day Lates on EQ.

I would work on those two items first.

It does look like you won't be buying a house soon if you have to wait for those to age off your reports.

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That's true

[hateAshbury]

the difference between my TransUnion and Equifax is more than 100 points -- check out my sig below

funny thing is, eyeballing the two side by side, the Equifax looks like it should yield the higher score... bizarre

won't even pretend to understand the voodoo. My energies are directed toward doing everything I can do to stay current on all my accounts, husbanding my credit lines, etc

[Anonymous]

Experian says 745, bank pulls credit and Experian says 709. Absolutely NO CREDIBILITY in this system. Anyone explain why?

[llecs]

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@Anonymous wrote:

Experian says 745, bank pulls credit and Experian says 709. Absolutely NO CREDIBILITY in this system. Anyone explain why?

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Because Experian offers scores but they are not FICO scores. Your bank very likely pulled a FICO. The two cannot be compared because lenders don't use the same scores Experian offers.