Please advise me. I have three different scores 540 (equifax), 600 (transunion), and 640 (Experian)- Why is my equifax score so low? I have 1 30 day, and 1 paid charge-off on my report. My freinds and family members have judgements, collections, 90 days and everything else on their credit report and we have the same score. This is not fair that I pay my bills constantly, but I had a couple of misfortunes and I have to receive the same score as individuals who don't pat their bills. What can do?
