Reply
New Member
Posts: 1
Registered: ‎11-30-2008
0

Big difference in scores, help

Hello all,

 

I'm new here and I'm trying to improve and pay down my credit this year so that I can purchase a home by the end of the year.  I have a credit watch thorugh my bank.

 

I disputed some things on my credit through that site and it's now reporting no negatives. I had about 5 accounts reports 30 and 90 days late and now they are all reporting current.  Yipee!  

 

Anyway, after those fell off I refreshed my report and my Experian score went from 585 up to 670, I was like whoa!  The othre 2 remained at 590.  Can anyone explain this?  Also, I just pulled my real FICO from here as I understand those are just FAKOs and Equifax is reporting a 611. So many different numbers, it's confusing.

 

Thanks in advance!

Moderator Emeritus
Posts: 12,029
Registered: ‎12-30-2011
0

Re: Big difference in scores, help

[ Edited ]

Editied as someone can explain better than I the ins and outs, but I'll simply state: don't get worked up over it as it's an incredible challenge to draw anything meaningful from instant-in-time scores, and is much better to look at trends over time.

 

The scores here (EQ and TU FICO) are much better than the vast majority of other ones you can find elsewhere to estimate actual credit-worthiness; however, take it with a grain of salt regardless - the only scores that matter are the ones the lender pulls when evaluating you for some type of loan or credit extension.

 

Welcome to the forums regardless Smiley Happy.

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.