GregB,

I ordered Equifax and Trans Union from my Fico. Please read top of post for what I said. Do not want to rehash again.

What I'm trying to understand, over the last 16 months, things were substantially improved and all three scores dropped instead of improving. As I suggested earlier, I conclude that taking out the mortgage has hurt me instead of helped me. I have been paying on it for 13 months and the reports correctly reflect the existing balance.

Experian says in it's analysis: Mortgage, 4 stars, best credit one can have. I did not have a mortgage 16 months ago. My last late is almost three years old.