https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-is-MY-FICO-score-so-much-lower-than-my-Credit-scores/m-p/1856827#M68955 Have you sent a GW letter to try to get that old collection deleted?<BR /><BR />Most fako scores are higher than fico scores. Have you checked both your TU fico and your EQ fico?<BR /><BR />What is your utilization %? Tue, 05 Feb 2013 21:05:50 GMT Bleety17 2013-02-05T21:05:50Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-is-MY-FICO-score-so-much-lower-than-my-Credit-scores/m-p/1856805#M68954 <P>I have been paying all my bills on time since 2009. I had a collections accoutn which is settled, but for some reason My FiCO shows this as a recent late payment even though it was never recent or late for that matter. My Credit scores for TU is 670, For EX is 712, but for Equifax it's 637 and my FICO score is 598? That seem s a little off. I have cash in the bank a stable work history the only thing in my what is the BS scoring system.</P> Tue, 05 Feb 2013 20:52:58 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-is-MY-FICO-score-so-much-lower-than-my-Credit-scores/m-p/1856805#M68954 Anonymous 2013-02-05T20:52:58Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-is-MY-FICO-score-so-much-lower-than-my-Credit-scores/m-p/1856827#M68955 Have you sent a GW letter to try to get that old collection deleted?<BR /><BR />Most fako scores are higher than fico scores. Have you checked both your TU fico and your EQ fico?<BR /><BR />What is your utilization %? Tue, 05 Feb 2013 21:05:50 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-is-MY-FICO-score-so-much-lower-than-my-Credit-scores/m-p/1856827#M68955 Bleety17 2013-02-05T21:05:50Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-is-MY-FICO-score-so-much-lower-than-my-Credit-scores/m-p/1857001#M68962 <P>I have tried a good will letter and they replied that ithey cannot change accurate information. Though the information is far from accurate. I have submitted proof of payment and the settlement letter to the collector and the credit agency (Equifax) to no avail. It is still showing as a balance.</P><P>&nbsp;</P><P>My TU is 650, my EX is 620. Acording to this site my EQ is 598. My utilization is around 11%.&nbsp;</P> Tue, 05 Feb 2013 22:39:57 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-is-MY-FICO-score-so-much-lower-than-my-Credit-scores/m-p/1857001#M68962 Anonymous 2013-02-05T22:39:57Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-is-MY-FICO-score-so-much-lower-than-my-Credit-scores/m-p/1857019#M68963 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>I have tried a good will letter and they replied that ithey cannot change accurate information. Though the information is far from accurate. I have submitted proof of payment and the settlement letter to the collector and the credit agency (Equifax) to no avail. It is still showing as a balance.</P><P>&nbsp;</P><P>My TU is 650, my EX is 620. Acording to this site my EQ is 598. My utilization is around 11%.&nbsp;</P><HR /></BLOCKQUOTE><P>then if its not accurate have you filed an acutal dispute with equifax or just sent them a letter? File a dispute if you havent yet.</P> Tue, 05 Feb 2013 22:46:25 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Why-is-MY-FICO-score-so-much-lower-than-my-Credit-scores/m-p/1857019#M68963 dodgerslv 2013-02-05T22:46:25Z