In Oct 07 i received letter from my insurance company saying they had checked my credit report and the information in my report resulted in higher premium and i was able to request a free credit report 60 days from the time i received the letter. i wrote to address provided in the letter... TransUnion LLC and requested my report and my score. my score came back at 713. i recently (may 08) pulled my report from transunion on myfico.com and my score is 585. i have paid everything on time since the report i received back in November 07 and only thing i found on current report that i think would be hurting me was my ex who is suppose to pay off a joint discover account and close to get my name off of it still does not have it paid off and is currently unemployed and has multiple lates in past 5 months and is currently 60 days late. Is the score i received in November really a FAKO score or could my score drop so drastically due to his lates on the discover card?
The TU score might be a FAKO, but the multiple lates definitely might have taken that much off your score. Payment history is the biggest part and your tradeline is trashed right now. Multiple lates will errode your history really quick.
