Hi everyone,
I purchased a 3 bureau report last night & I'm finally (finally!) above 700 on 2 of the three bureaus...on Experian (728) & Transunion (739). For some reason my Equifax score seems to really be lagging behind the other two at 645. I know they're not expected to be the same but up until now they've always at least been in the "ballpark" with each other. As far as I can tell, everything on all three reports is the same except there is a paid judgement on the Equifax report. Normally I'd agree that this is what's dragging it down but this isn't anything new, it's been here since 2010 & it was paid in full this Summer. Back then my scores were in the mid 600s on all three & now I'm over 725 on two & still sitting at 645 on the one.
Does anyone have any ideas what the problem might be? Would a paid judgement make this much of a difference? Why all of a sudden the difference?
Starting Score (02/01/2014): EQ 548 EX 548 TU 564
...a single $600 med CA that's only on my EQ CR makes my Fico EQ score almost 100 points lower 
Normally I would understand that (wouldn't like it, but I'd understand it. lol), but all three of mine have been within 30 points or so of each other (even with the judgement) for months but suddenly after adding some new cards in the past month I seem to have reached a tipping point & the others went up almost overnight...& this one is just stuck where it's been all along. So frustrating. 