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Have you gone over the reports line by line? With such a large difference in the scores, there are apparently some differences in the reports.
FrenchCredit wrote:
So I've been using WaMu's FICO scoring tool to monitor my credit over the past year. My TU shows a 717 score which I've worked hard at elevating over the past 12 months.
I just pulled my EX report and it shows a 646!!!
How can that be? Why such a huge gap.
I've paid down my balances to about 10% of the total credit line.
I have not been late in any payments in 3 years (for more than 30 days) and that was only once.
How can I manage my EX report now the same that I did with TU to raise my score?
Any advice would be greatly appreciated.