Thank you for the information. I apologize for lacking the patience to read through all of the post...
I went to a bank today, confident that the transunion score Myfico.com gave me was accurate, (713)....
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO