Understanding FICO® Scoring

[gamesa412]

I have 2 FICO scores and there is an 80 point difference between the 2.  Is this normal.  I had several judgements against me and was also making payments to a few collection agencies.  I have paid off everything, mortgage, Car, all credit cards and judgements.  It is has only been a month since I paid the last judgement.  What happens next how long will these stay on my report.  Is there a way to get the negative info removed since I have paid eveything off or does it just go away in time

[llecs]

For the two scores, did you pull both of them from here? If not, where?

Judgments will continue to report for the 7 years even after paid. You may want to post in the Rebuilding Your Credit board, but I've seen some successes from others in removing paid judgments. Look around but it seems to revolve around getting in touch with the plaintiff's attorney and having them ask the court to remove it on your behalf. Look around for more info.

[ErinW43]

There is probably different information reporting to each bureau. I have the same thing. I have a collection only reporting to Transunion. Thus, my TU is 90 points lower than my Experian score.