Hi all,
A few days ago I checked my credit scores through the myFico site. For the past several years I have had great credit (760+). According to myFICO, my scores are now:
Equifax:668
TransUnion:788
Experian:631
I have a collection that was reported on the Equifax, Transunion for a medical bill in the amount of $192 (It has been paid in full). I was horrified to see this. I ended up buying a credit report directly through experian so that I could access the contact info for the collection agency or original medical practice. When I purchased my report/score directly through Experian this morning, it says my score is 768?? Why would myFico hve my score through EX as 631 but EX says 768...Thats a huge discrepancy!
I am in the process of a divorce and plan on purchasing a home in the next few months on my own. Can someone please explain?
ETA: I just got my FICO score from Barclay and it says my FICO score is 796...Of course I'd love it if my mortgage was based on this but these 600 scores could be detrimental when buying a home.
Thank you in advance!
