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Nvpriest wrote:

I made the mistake of paying a $50 parking ticket that was on my report. The company said they automatically delete it after payment. Yea right. I called They told me to just dispute it and it will come off.  I hope it does. My experian. Is 612 and Transunion is 669. Why such a big discrepancy??? I have 2 late payments that are 11 months old. months month will it not count as much. I need 28 points by next month. I have one credit card with a 300 dollar limit  and a 0 balance. I am 1500 away from 50 percent below my original balance on my car. Will getting this below 50 percent boost my score a little. I really hope they remove that collection.  Anyone have any ideas????

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Welcome!

Did your lender povide your scores both times? If not that can explain the score difference.

Are the two lates your only baddies?

Paying the car note down likely won't help your FICO.