Okay, I've been hard on Equifax for some time because of problems I've had getting my credit report wtih them straightened out. Turns out that was premature.
Despite the array of issues I had on their report, a couple carefully worded letters and documentation to back it up has proven very fruitful.
Today, all the incorrect information (and I mean all of it, I cannot find a single flaw on there now) has been corrected or removed. My score jumped 58 points. I think the biggest difference was the correction of an account that I paid off early last year and was still showing with a status of 120 days late. With that fixed, I now have a clean payment history for over 15 straight months with no lates instead of a recent late showing.
Contrast that with TransUnion, who (despite evidence verifying my claims) has told me my request to fix one account was frivolous (exactly three days prior to the OC actually contacting me to admit their mistake and state they would fix it), and has been painfully slow on responding to my other concerns. The net is, TU was once my highest, is now my lowest, and EQ was once my lowest and is now by far my highest:
TU - 614
EX - 628
EQ - 648
...that's up from 587, 580, and 570 respectively in just three months! Big happy day for me.
Now...I've really been trying to get the scores up to 620 so I can get out from under what is just an absolutely terrible mortgage company.
The Midscore appears to be 628...is now a good time to push the refi button, or should I wait?
Anyway...my apologies for any disparaging remarks to Equifax. They made me prove my claims, perhaps, but they actually DID fix them. Now, on to TU.......