Why is my FICO Score Falling

[Anonymous]

whats a TU?

[Tuscani]

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toddj1965 wrote:

whats a TU?

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Trans Union

[Anonymous]

Oh ok light dawns on Marble Head.

So what would be the benefit of checking my other to cred reports ASAP?

[Tuscani]

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toddj1965 wrote:

Tuscani thanks for your feedback. I appreciate your help!!

Why would you pull the other two? Just to see the score? Is there any other reason to pull them? What's frustrating is that the info on TransUnion appears accurate...which if following logic would say that my scores should be higher.

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No.. to see the reports as well. Remember, you have three report and three scores. And you don't always know who a creditor is going to pull. It is imperative that your correct any inaccuracies on each!

[Tuscani]

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okrogius wrote:

One other idea you may want to consider is getting a wamu card for sake of free tu [ex in very few places] (bank card enhanced formula) fico scores.

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Do you know of a place where you can get your EX FICO other than myfico.com? If so, do tell!

[Anonymous]

Yeah that's the problem and hence my confusion...why is my score dropping when info appears accurate?

[Tuscani]

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toddj1965 wrote:

Oh ok light dawns on Marble Head.

So what would be the benefit of checking my other to cred reports ASAP?

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See my previous post.

[Anonymous]

Tuscani what did you mean "you never know who a creditor is going to pull"?

[Anonymous]

This just happened to me, I checked TU score a month ago, and and again today and saw a 66 point drop...I have a utility company that reported in error, but will the score drop that many points for having one delinquency?  I checked Exquifax and it is about 90 points higher.  TU is having issues.

[Anonymous]

IIRC, one can buy an actual FICO from 2 of the 3 CRAs for around $10-15 each. These are FICOs mind you, not the FAKOs the Big Three sell. I'll fish around CIC for the info.