help with fico scoring

[Anonymous]

i just looked up my main credit accounts which is five,banks,credit card etc,i noticed from my highest score to my lowest score there's a

difference of 80 points,has anyone else seen this before and who could i call to find some anwers.

thank's

[Anonymous]

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@Anonymous wrote:

i just looked up my main credit accounts which is five,banks,credit card etc,i noticed from my highest score to my lowest score there's a

difference of 80 points,has anyone else seen this before and who could i call to find some anwers.

thank's

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To be able to help you, we'd need to know exactly what "etcetera" is?  The reasons can vary wildly, i.e., not all three CRAs (assuming this is what you are asking about?) are reporting all accounts (credit grantors need not report to any CRA - some only report to 1, 2 or all three, some don't report to any CRA).  You could also have some negatives (valid or not) on one or two of your reports but not on the one with your highest FICO)... or something else.  Again, you've got to define "etc" before anyone can be of any help.  You also need to pour over all three reports with a fine-tooth comb, seeking any and all discrepancies between them and then get to work getting them in order and then go from there.  HTH.

[Moneyklutz]

Welcome to the forums!

I'd suggest reading the stickies at the top of this section of forum to start. You don't need to call anyone as true FICO score variations can easily vary by the 80 points. The three reporting agencies (Equifax, Transunion and Experian) all may have different data provided to them by your creditors, so their calculations of your credit score will rarely be the same.

This forum is a gold mine of helpful and friendly information. I really encourage you to read as much as you can. Understanding the credit scoring system and how it works will allow you to feel like you're steering the boat rather than riding along as a passenger.  

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

i just looked up my main credit accounts which is five,banks,credit card etc,i noticed from my highest score to my lowest score there's a

difference of 80 points,has anyone else seen this before and who could i call to find some anwers.

thank's

---

To be able to help you, we'd need to know exactly what "etcetera" is?  The reasons can vary wildly, i.e., not all three CRAs (assuming this is what you are asking about?) are reporting all accounts (credit grantors need not report to any CRA - some only report to 1, 2 or all three, some don't report to any CRA).  You could also have some negatives (valid or not) on one or two of your reports but not on the one with your highest FICO)... or something else.  Again, you've got to define "etc" before anyone can be of any help.  You also need to pour over all three reports with a fine-tooth comb, seeking any and all discrepancies between them and then get to work getting them in order and then go from there.  HTH.

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that was fast,each month when i pay my bills i also check there free fico scoring they give you, but this month it went from a high 770 to a low of  690 i just thought maybe i could contact someone to get a better understanding,but i'll take your advice and go threw my credit reports and see if there is anything in there.

thank you.

[Anonymous]

i'm glad i found a forum like this,i didn't get a chance to read any of the stickys but i will go threw them

thanks for the quick reply.