I ordered my FICO scores today
EQ-597 EX-651 and TU-653 12/17/07
Also got my FAKOS from Mycreditkeeper was actually shocked at the close comparsion of 2 but the cap of the highest one was my biggest shock
EQ-596 EX-649 and TU-612 12/17/07
I have dont quite a bit of apping over the past 6 mos so impressed that they are where they are but I am sure it has come from being offered more credit with higher limits
My only bother is that my mostly pulled report is Equifax--they have the lowest score
Not to mention on there they have me listed for a JUDGMENT that neither other report has( I am disputing with them to see if they will remove since not on other--Guess its worth a try)
Equifax-shows 2 collections 1 judgement and bankruptcy besides any lates acount have had nothing in past year
Experian has no collections but a few lates (all over 1 year) and judgment
Transunion has 2 collections and bankruptcy and lates (all over 1 year)
So very different reporting info--I have also GW both collections since old and satisfied--(fingers crossed)
And lastly I have GW all the lates on the report so I am sure if any could come off that would be awesome--however the collections and judgment mean most to me I can get over the rest b/c I have gotten better with those issues over the last year and with more time they will slowly lose their power
As for you FICO guros any other good advice for getting these scores on up and hopefully more closely compatible----lastly I noticed I was at 25% UTI on CCs but I know reducing that UTI will increase my scores as well thats my start after the Xmas holidays---my goal is to get down to at least 10% within 30 days--however it says on the FICO reports that the low credit card usage and card usage itself are my positive points (YEA!!) I guess I am doing something right!!!