Hi, welcome to the forums!
The TU and EX scores are FAKO's. I'm guessing that you pulled your Equifax FICO score, right?
You actually have three FICO scores: one from Equifax (EQ), one from TransUnion (TU), and one from Experian (EX.) Unfortunately, you can no longer buy your EX FICO anyway, per their decision back in February. You can
find out your EX FICO if you're willing to apply for a mortgage (
), or if you belong to a credit union in Pennsylvania (PSECU), which kindly supplies it to its members.
(Hint, everyone: start pestering your local banks and credit unions to supply members with their EX FICO scores --the classics, not the CC-enhanced ones!)
So you know your FICO EQ score, and you have no idea what the FICO TU and FICO EX scores are. The FAKO's that you have for TU and EX are based on different scoring formulas, and they have different score ranges, and very, very few lenders use them, so they're quite useless.
You can get your TU FICO here. Be sure to Google for fico discount coupon code first. You should be able to get 20% off.
On the EQ FICO score report, what are the negatives on screen 2, in order? They're what are hurting your score(s) the most.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007