experian fico score

[choppa02]

I just ordered my experian fico score and it was only 566 my eq score is 639 and my tu score is 636 does anyone know why such a big difference when all three reports are practically the same. I would like to buy a car in the next 6 months now that may not happen :/

[llecs]

What is different between the three reports, especially EX?

[choppa02]

Ex has one extra account opened in the past year and one extra inquiry I dunno why that would cause my score to be about 70 pts off pace

[llecs]

And to be sure, all 3 scores came from myFICO (or a lender)?

Was the new account a positive account (as opposed to a collection)? And how recent was it opened?

[choppa02]

I bought all three scores here. The new account was a negative account that resurfaced it says dec 2012. Tu shows 3 collection accounts but the score is still higher than Ex that shows no collection accounts weird

[roastbeans]

 

[llecs]

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@choppa02 wrote:
I bought all three scores here. The new account was a negative account that resurfaced it says dec 2012. Tu shows 3 collection accounts but the score is still higher than Ex that shows no collection accounts weird

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Is the account still negative? IME my EX FICO treated baddies with more contempt and got dinged more.

[choppa02]

Yes the account is still negative. Bad parenting is the reason why my scores are so low in the first place. Guess all I can do is dispute the negative accounts and see what happens if no luck I have to wait until 2015 when they all come off... thx for the help