Why 60 points difference.

[MeCasa]

I'm 70 but I've got one last deal in me. Deals generally require some sort of financing and a high credit score will smooth the skids.

Experian - 730

TansUnion - 670

Equifax - 674

This week I'll pay everything down below 30% . Why are the two scores so low?

[MissLiz]

Without looking at all three reports to see the differences, it is likely that:

A) Something positive is reporting on one report that isn't reporting on the other two.

B) Something negative is reporting on the two lower scores that isn't reporting on the one higher. 

C) They all have their own formula for calculating score. 

D) Something has reported to one that hasn't reported to the other. 

[pizzadude]

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@MeCasa wrote:

I'm 70 but I've got one last deal in me. Deals generally require some sort of financing and a high credit score will smooth the skids.

Experian - 730

TansUnion - 670

Equifax - 674

This week I'll pay everything down below 30% . Why are the two scores so low?

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Assuming these are FICO scores -- you'd achieve the best results via the AZEO method with your revolving accounts   Paying off 59K is probably not achievable so if you can list the accounts / balances / credit limits we can offer more advice on what would be most helpful. 

[SouthJamaica]

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@MeCasa wrote:

I'm 70 but I've got one last deal in me. Deals generally require some sort of financing and a high credit score will smooth the skids.

Experian - 730

TansUnion - 670

Equifax - 674

This week I'll pay everything down below 30% . Why are the two scores so low?

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You should pull a 3-bureau report and compare the 3 reports, to find out.

You're not going to find out from us.

[Slabenstein]

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Regarding the score difference, if those scores are all from the same version/model, then the first thing I would check is whether that collection is reporting on EX or if it's on TU and EQ only.

[MeCasa]

Truthfully, we are trying to rationalize where there is no rationalization but greed. Every company does what's best for them and what their advisors say as the path to Nirvana. I spent some time today looking at the credit info on various credit cards. I have seen Equifax scores at 720 and equifax scores at 670 and so on and so forth. The sad part is that these people control a large part of our lives. This is my last deal, this credit stuff was never that big a deal, and now I'm spending my time trying to  learn.

If a young man was smart enough to learn there is a lot of money to be made staying close to this. I'm old and cranky. And the good thing is that the info is out there to see, you can't manipulate it if you can't see it. And I truthfully, even what little knowledge I have makes my window company more profitable.

I can't contol this and I'm too old to learn so I'll just pay everything down to 30% and see what happens. But since Experion will probably bring me to 750+/- after the paydown I should use their site in searching for lenders. I'm going to need 50k to 75k unsecured.

[pizzadude]

You're trying to learn but too old to learn ??

[FicoMike0]

As a member of the 70+ club, I feel for you. You haven't given enough details to interest the credit wizards. They really can help. List scores as, ex fico8 730, if that's what it is. Probably should give source and date, to be sure. There is often 60 point difference between fico8 scores and vantage3. It's claimed that there are 28 different fico scores. You're correct that utilization is hurting you.

You show an unpaid collection, paying it might help more than $51 worth.

[Thomas_Thumb]

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@MeCasa wrote:

I'm 70 but I've got one last deal in me. Deals generally require some sort of financing and a high credit score will smooth the skids.

Experian - 730

TansUnion - 670

Equifax - 674

This week I'll pay everything down below 30% . Why are the two scores so low?

---

@MeCasa 

Given the information provided; it is not possible to ascertain cause for the higher Experian (EX) score. Perhaps it is Fico 8 and your Equifax (EQ) and TransUnion (TU) scores are VantageScore 3.0. Different scoring models could be the cause. Another potential cause for a higher EX score is lack of a derogatory that may still show on your EQ and TU reports.

Focus on improving scores by paying down revolving (credit card) debt. That will provide the greatest score boost regardless of the scoring model. Get all cards below 29% (not 30%). Also, if you have a couple cards with a small balance, pay them to $0.

Call and ask for the collection to be deleted as part of paying it off.

[SouthJamaica]

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@MeCasa wrote:

Truthfully, we are trying to rationalize where there is no rationalization but greed. Every company does what's best for them and what their advisors say as the path to Nirvana. I spent some time today looking at the credit info on various credit cards. I have seen Equifax scores at 720 and equifax scores at 670 and so on and so forth. The sad part is that these people control a large part of our lives. This is my last deal, this credit stuff was never that big a deal, and now I'm spending my time trying to  learn.

If a young man was smart enough to learn there is a lot of money to be made staying close to this. I'm old and cranky. And the good thing is that the info is out there to see, you can't manipulate it if you can't see it. And I truthfully, even what little knowledge I have makes my window company more profitable.

I can't contol this and I'm too old to learn so I'll just pay everything down to 30% and see what happens. But since Experion will probably bring me to 750+/- after the paydown I should use their site in searching for lenders. I'm going to need 50k to 75k unsecured.

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Go below 30% to 28%.