4 points from Qualifying

[Trish]

Shols44.....Ahhh! That makes more sense.

No he doesn't have any other active credit cards. He does have a car loan that has I believe 5k left on it.

[Trish]

I'm also confused because according to the pull they did I'm 567 Trans 616 Experian 629 Equifax
But on the same day the FICO I pulled here was 648 Trans (no pull for Experian) and 579 Equifax

How can they be so off? And how am I to know if my scores are going up without having the mortgage co do another pull?

[Trish]

(Sorry for the duplicate it didn't look like it posted the first time)

[Trish]

I'm trying to do the disputes as you noted - but these are the options they give.....
I assume I would choose I am no longer liable for this account?
So for the seemingly ignorant questions, but this is really all new to me and I'm hoping those with more experience can offer a helping hand.
I don't want to accidentally re-activate or restart a timeline and make things worse.

Investigation Details

Note:You may select one ownership investigation reason or up to two accuracy investigation reasons. You may not select both ownership and accuracy investigation reasons.

Investigate ownership:
This is not my account, it belongs to a relative or person with similar name/address
I am no longer liable for this account
I am no longer liable for this account per divorce decree
Creditor agreed to remove my liability on this account
I have no knowledge of this collection account
This account was fraudulently opened by someone who stole my identity

OR

Investigate accuracy:
Balance is incorrect
This account was paid to the original creditor prior to becoming a collection or charge-off
I have never made a late payment
Insurance paid this account late, remove late payments
Statement not received due to change of address, remove late payments
This account is not in bankruptcy
This account is included in bankruptcy of another person, not me
This account is not closed
Too old to be on file, please remove
Terms are incorrect
Creditor agreed to remove charges and/or fees
Creditor agreed to remove this account from my file
Fraudulent charges were made on my account
This account is settled
This account is transferred to another lender
This account is paid

[shols44]

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@Trish wrote:

I'm also confused because according to the pull they did I'm 567 Trans 616 Experian 629 Equifax
But on the same day the FICO I pulled here was 648 Trans (no pull for Experian) and 579 Equifax

How can they be so off? And how am I to know if my scores are going up without having the mortgage co do another pull?

---

If you can get some major changes to reflect in your reports within the next week  or two, they will do a rapid rescore. I think the most likely thing depressing your score are your lack of revolving lines and collections. If the collections go poof, hello mid 620 score and FHA approval. Regarding the disparity, there are always going to be differences btw the FICO version lenders pull for mortgages and the ones sold here.  

[Trish]

I figured they would be off a bit. But by being skewed by 50 and 81 points isn't minor. Sort of makes me wonder why I'm paying for my scores.

Do you think choosing ...I am no longer liable for this account....would be an appropriate reason for those accounts that were on the BK but still showing on my report?

[Shogun]

Just going to do a little education here.

The EQ score here should be an exact match that your lender uses.  It's EQ Beacon 5.0.  The TU will be different.  myFICO offers TU98 and most lenders use the TU04 model.  EX sold here is the EX 08 and most lenders use the EX v2.

Just wanted you to be aware of that and not have it sneak up on you.

[Trish]

Well that's beyond frustrating. Why pay for scores no one uses... boo.

[guiness56]

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@Trish wrote:
Well that's beyond frustrating. Why pay for scores no one uses... boo.

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It is all that is available to purchase by the comsumer.  Even though TU98 and EX08 isn't used that much, they still are.  I would get my 98 score up 30 points or so higher to cover all bases.