5 Months ago I got my three scores on this website. Equifax was in the 698, Experian was 696, and Transunion was 627! I couldnt believe there was a 70 point difference and I checked over my report and everyhthing seemed OK but there was some kind of phantom late payment within the last month showing in the credit at a glance section in the myfico section. I never found any kind of late payment and I know for a fact I never paid anything late. Anyways I filed bankrupcy in 02 and I noticed there was a couple items that didnt show closed so I disputed these things and went over everything with a fine tooth comb. I mailed in my dispute and waited a couple months. I rechecked my transunion score again and it raised like 70 points and it was in the 690s along with the other two.
So I thought everything was ok...WRONG!
I was going to go buy a car and I deceided to get on here and check all three scores just to make sure everything is good before I apply for a loan. My Transunion score dropped back to 727! and once again is said I missed a payment within the last month. I have no idea what this payment is just like last time. I decided to call my bank and get prep approved for a loan and they came back with a igh interest rate and she said the bank uses transunion and my score was 627 and thats why the high interst rate.
There cannot be a 70 point difference. I was in the 690s with transunion a couple months ago and thought I had this fixed and then it dropped 70 points. I dont know what to do....I had some duplicate items in my past bankrupcy when I checked recently and I disupted these and mailed the form in.
I dont get it.....I called my fico and they said they cant find any late payment but yet the site said I have one within the last month just like months ago when I got all three scores. This is killing me I should have qualified for a decent rate yet this score screwed me and it isnt right.
any thoughts....ideas? i am at my wits end here!
