07-27-2013 05:34 AM
What is wrong with Equifax? Why are they consistently the lowest score I have? I recently paid off 3 federal tax liens. After having paid them off the IRS released and Withdrew them - they no longer even show on my credit reports, it's as if they didn't exist. And the result? Equifax dropped 38 points. I don't understand and it's infuriating to work so hard to clean up my credit and have them do that.
07-27-2013 12:57 PM
07-27-2013 03:38 PM
On the Equifax credit report compare the last two reports. Look at the section on what is hurting your score. Has the reasons change IE a new one or the order of the reasons have they changed?
07-27-2013 07:56 PM
scoresense is a FAKO
07-27-2013 07:58 PM - edited 07-27-2013 07:58 PM
I'm using a service called Scoresense. Does that make a difference?
Yes, because ScoreSense (I used them before too) doesn't offer FICO scores. They offer FAKOs. These FAKOs factor in stuff that FICO does not, and vice-versa. Anything can trigger a score change with them. Maybe the liens helped you with that FAKO.
ETA...I'm a slow typer.
07-27-2013 08:29 PM
So I'm guessing that My Fico offers a more true picture of what they should be? I'll have to try that, I need to figure out this Equifax discrepancy, it's frustrating.