Difference/Accuracy of Credit Scores and Possible Tips

[Anonymous]

 Good morning folks, 

Short back story of what happened to me was that I got sick and was hospitalized and I fell behind on my one Capital one card. I made payments but not enough for the minimum. Anyways dealing with my medical costs, I was in a pickle. I was maxing out cards to pay for medicine and hospital bills and it wasnt good. I wasnt able to work. Anyways fast fwd 8 months later, I paid off all my cards except 2. My citi AA card and my cap one card (which I got current and am working on getting the late payments wiped off). Working on getting them paid off. Between the two I'm looking at 10k roughy. I'm at a CC  UT of 45%. Avg Age of my accounts is roughly 11 yrs 

I logged on experian and signed up for their premium membership. Experian says 662, Equifax is 674 and Transunion is 654. How accurate are those fico 8 scores? I wonder how much those 6-7 late payments on the capital one card brought me down. 

Also does anyone have any tips to have inquiries removed? Or any other credit health tips? I am a newbie when it comes to this online forum stuff. 

Thank you! 

[Anonymous]

The scores you get are accurate at the time they are produced.

You can't get inquiries removed unless you didn't authorize them or they were erroneous . If you were denied for a credit product and want to remove the inquiry for it, that is not a valid reason.

Try joining some credit unions, like NFCU, they have lower rate products that may benefit you.