Really Fico

[StartingOver10]

Agree with the others:  pull your annualcreditreport.com credit reports (free).  Do not get the scores from there as they are not FICO.  Compare the 3 reports and see what is reporting on each CRA.  

Work on the baddies.

Note:  are you using all of your revolving accounts and having them report 1/3 of your balance each month?  If so, stop it.  FICO counts not only the utilization on each card, but the total utilization too. If you have balances reporting on all of your cards (even if the balance is very, very low) it will tank your score. 

[Anonymous]

Thanks, I only have one card with a balance and it's unusually because i don't know when they report to Credit unions. Are you saying that credit report From Experian  is a FACO. It say on top of page powered by Experian  and I pay for all three reports and they are available twice a month.

[Anonymous]

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@Anonymous wrote:

Thanks, I only have one card with a balance and it's unusually because i don't know when they report to Credit unions. Are you saying that credit report From Experian  is a FACO. It say on top of page powered by Experian  and I pay for all three reports and they are available twice a month.

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Experian uses their own score and I'd bet you $5 that somewhere in the fine print it probably says that the score is for educational purposes only. Credit Check Total uses FICO 8 if you want to give them a try and of course you can always purchase all of you FICO scores here.

[Grafton88]

Also look for public records on one report.  I had a tax lien reporting on TU only.