Just trying to figure out my real score. I'm looking for 640 but I'm not sure where I'm at.  I have the walmart TU fico say 618, EQ premier said my scores were 637, 620, and 633.  I just got denied from Discover.  Discover said my fico score was 598.  They pulled from EQ I believe. 

What is my real score right now?  I do have a few TLs that are marked as disputed (they are chargeoffs, that have been paid) from 5 years ago...  will taking off those marks lower my score?   If I'm only a few points away, theres some hope but if I'm back down at 598....