79 Pt Difference between Experian and Exquifax :(

[Anonymous]

Ok... I recently paid off just under 30k of Credit Card Debt.... Only about 12k or so has updated, so I'm still waiting for about 15-18K to come off of my utilization, which I'm hoping with raise my scores even more.

These are my scores from TrueCredit as of yesterday:

   TransUnion      Experian         Equifax

          662                  692                   613  

I'm planning on buying another car soon (when the new balances update), and OF COURSE the 2 credit unions that I may be going through us EQUIFAX ... My lowest score.  I only have 1 30 day late from 2004, and it does ONLY report to Equifax.  Could this 1 30 day late from over 3 years ago be the reason for the 79pt difference???

ps... My Equifax score shows up as 633 on MyFico.com (started at 594 just a couple of weeks ago), so MyFico Equifax score is quite a bit higher than what TrueCredit is showing. 

Thanks!

[Anonymous]

OMG, ok... Well, I just updated TrueCredit today (the 613 score for Equifax was from yesterday) and now it's showing 671!!!!!  The other two scores remained the same!!!

[Anonymous]

EX is always the fastest to update-

Be patient - your hard work will show soon.

TU FAKO scores do not weigh UTL as severely as FICO does-

Message Edited by Timothy on 10-11-2007 06:04 AM

[Anonymous]

Wow! A good, healthy jump! Congrats. Cudos! WTG. Job well done.