@Anonymous wrote:Hell All.
New here and want tomake sense of my credit score.
So on this website, I did the Suze Orman's pkg and also did the TransUnion pkg (3in1)
I got 2 different scores:
MYFICO - EXP 585 EQU 588 TU- not able to pull up ( I think its because I put a freeze on my acct)
Transunion.com - EXP 508 EQU 527 TU 527
That's at least a difference of 30 pts!! What is going on?
Any idea, will surely help.
I hope to clean up my credit, I was in a bad relationship, where I was the main breadwinner, my live in partner - helped, MINIMALLY, I had to play chess with the bills and how much money I had left for food, my son's diaper and formula. (This was at least 3 years ago,btw). I have repo that also was from that period. Life has turned and been good, I have no credit card and make about $130K a year. The things that are on my credit are the repo, medical bills but no CC. No one will give me a credit card, so where do I start?
Thanks so much!
Glad I found this site.
Welcome to the forums! We're glad you found us, too. 
Others with more knowledge about rebuilding credit with baddies still hanging around will have to chip in for you on the last part of your post, but I can help you with the first part by recommending you read this thread (Credit Scoring 101) first - it's a great place to start when you're just starting out and trying to make sense of everything: http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=29793
Take a peek at that first, and sit tight - others'll be along to help out with the other stuff, as the only suggestion I can make based on my own experience is that, if you have a good banking relationship with a bank or CU, you might be able to get a secured credit card - IMO, those are a great way to start rebuilding!
Good luck, and welcome again. 
Hi Wallowing, welcome to the forums. As Scamp alluded to, please read credit scoring 101. The first thing that you will need to know is that there are FICO scores and then there are FAKO scores (and there are a slew of them out there, just waiting to take your money). Anyway, what you bought from TU.com are FAKOs. There is only one place that you can buy all three of your FICO scores and that's here at myfico.com. You can buy your TU FICO at Transunioncs.com and your EQ and EX FAKOs. You can also get your EQ FICO directly from EQ. Anyone else offering you a "credit score" is offering you a FAKO score.
Wallowing, mosey on over to the CC board and poke around there a bit. Start a thread and ask the question. There should be many responses to your question of where to start with a CC. I personally started over with an Orchard Card from HSBC, almost a year ago. I now have 5 MC/Visa, Lowes, HD and Jared. There are ways to build your credit, just be patient. It will happen.
Starting Score: 469
Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Wallowing, mosey on over to the CC board and poke around there a bit. Start a thread and ask the question. There should be many responses to your question of where to start with a CC. I personally started over with an Orchard Card from HSBC, almost a year ago. I now have 5 MC/Visa, Lowes, HD and Jared. There are ways to build your credit, just be patient. It will happen.
Starting Score: 469Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge