Score issues....does this make sense??

[Anonymous]

My experian report only has 6 baddies but has the lowest score at 593.

My Transunion report has 13 baddies but has the highest score at 639.

How does this make sense?

How can I improve all my scores?

[jbh]

Does one agency report an aged account that the other doesn't? Also, which report shows the newest collections/accounts? It's the newer 'bad accounts/collections/etc' that have the most impact. Maybe that one CRA which reports the lowest score had more newer 'baddies'.

[RobertEG]

Hi Bella.

All baddies are not the same.  A 30-day late is a minor derog, while 90-day+ lates and COs and CAs are majors.  They score very differently.  So, as has been stated, it is both the severity of the derog and the passage of time since the derog that controls FICO scoring.

As for the discrepacncy in the number of derogs reported at the separate CRAs, it could either be because your creditor reports to only one or two of the CRAs, or because the OC or the CRAs have reporting errors.  I would suggest that you contact your OC and ask them who they report to.

Inconsistencies in reporting the type and severity of derogs are common   Credit reporting by a creditor requires them to record and transmit an intricate set of codes, and one consumer action can affect a multiplicity of recording codes that may not each be improperly coded by John or Jane Doe data transscriber at the OC.