Please Help! can't understand this...

[deadbishop]

I just got my 2 paid tax liens removed today from 2010..Paid for an updated fico TU score...571

My fico pulled by mortgage guy was 640. I know today's score is TU98 right? And mortgage guy TU 04

but why such a huge difference ? 80 points off maybe more now cause TU 04 was pulled before the 2 tax liens where removed..

[llecs]

You pulled from here today. Did your mortgage guy also pull today as well? If not, then when?

[deadbishop]

pulled yesterday here....571

mortgage guy pulled  7/6....630

only differace is 2 paid tax liens from 2010 got removed...

i have 5 postive TL

I have 10 accounts discharged in BK 7

[llecs]

59 seems too high. Could anything have happened in between 7/6 and now to account for a possible drop? If those 5 TLs are current and updating, then could there have been a possible increase in util in the past month?

Were there any OC accounts disputed following the mortgage pull?

ETA...and we're assuming that the 630 didn't increase following the lien drop off.

[deadbishop]

TL's only got better i.e

2 personal loans for 2 CU 1000

then balance was 915 and 840

now 840 and 620 or so..

3 crdiit cards

CU credit card 700 limit 14 balance

credit one bank 500 back then and limit now 600 ...0 balance

aplied bank secured 300 lemit 0 balnce

only changes from then till now is 2 charge off chase cards removed and 2 tax liens removed...

i think TU98 is harder on the accounts IIB and TU 04 don't have as much impact on score...

all my faco's scores are much higher vintage score 658 credit karma 646 

[llecs]

How old were the Chase COs in relation to your AAoA? Were they among your oldest accounts? If so, that can explain for some of the loss (if any). I've lost FICO points when removing old COs before.

Other than that, I'm lost.

[deadbishop]

the chase accounts were old but still have 10 old accounts iib so don't think there was much of a lose there.
my tu 98 was always low started at 422 before mortgage Guy pulled tu 98 was 527

[deadbishop]

i really think TU 98 is just harder on my file then TU 04 for whatever reason. just wish i new why