Why is EQ score SO low? -- Details Inside. HELP!

[JamesKnox]

I am confused at this. 

Just signed up for EQUIFAX's monitoring service. 

The scores came back 532, 538, 546 (These I believe are FAKO's) - 532 is from Equifax.

My Equifax report seems to have LESS negative stuff than my EX and TU but EQ has lowest score ?????

Why is it THIS low and what is hurting me the most?

Length of History: 7 years, 11 months

Average Age of Accounts 5 years, 6 months

Inquires in past 2 years: 3

0 Public Records

1 Negative Account (Capital One Charge Off $355 CL was $200) --- PAID IN FULL 2 DAYS AGO. Not updated yet

4 Collections ($207, $1409, $1853, $281) Will be paying the $281 and $207 next week.

Total Installment Accounts: 4 (Student Loans) (Balance $48,938, High Balance $47,316) Installment Debt to Credit Ratio 103% <--- Took break from school and missed a few payments before they went back deferred. 

Total Revolving Accounts: 1 (Balance $0, CL 300) Brand New. Just opened last week. 

[guiness56]

Yes, those are FAKO scores.  There is no corelation between a FICO and a FAKO.  Your FICOs could be higher or lower or vice versa.

It looks like out of the 10 accounts you have over half of them are negatives.  That could definitely cause your score to be lower.

[JamesKnox]

bump