It's unsurprising that two different scoring systems would move in opposite directions? For example, there can be honest disagreement on whether someone with zero utilization or 5% utilization presents a greater risk of default.
Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13), TU 98 728 (01/06/12), TU 04 728 (lender pull) (01/12/12), EX 742 (lender pull) (01/12/12)
Goal Score: 720Take the FICO Fitness Challenge
