3 cra's

[rudy]

I know every cra has diffrent things on them. However, I have pulled all 3 using eq 3in1 credit report. Each state the same thing. But I have three diffrent fico's. a 671 from eq, 650 tu, and 6_0 ex.

What I am not understanding is, If all have the same info why diffrent scores. How can I get them all to report the same score. I have disputed everything that is disputable, and made the necessary changes to my profile. What elese can be done?

[haulingthescoreup]

This is normal. Each CRA has its own preferences for what it thinks is good credit history, and what it thinks is bad. EQ penalizes lates, EX penalizes inqs, TU wants you to have a mortgage and loves it if half or fewer of your open accounts (all accounts, including mortgages, etc) report a balance.

Some people do have scores close together. From what I can tell, they tend to have pretty clean, middle of the road reports. But for the rest of us, well, look at my crazy EQ. Nearly identical reports, too.

There is a new non-FICO score that the three agencies got together on, called Vantage. It uses info from all three reports and runs it through only one formula, therefore only one score. Some lenders are starting to pull your Vantage score, but they are also pulling the FICO's as well, probably because Vantage is such an unknown. HTH

[Anonymous]

YMMV

Make sure you check out what is in the statement box as well as the ratings.  I had one where the statement only said closed by consumer. The account showed open as paid as agreed but removing that statement upped me two points.  Tu also has a bad habit of having 'unrated' instead of 'paid as agreed' in status. It does not factor into the score with this rating I have come to find out.

Message Edited by Brammy on 12-09-2007 09:25 AM