I tried to pull my Beacon score. Equifax demanded proof of my identity. It wasn't enough to do it over the phone. So I had to send it by mail. While I have waited for a response, I went to eloan and got their score, realizing it may not be as accurate. I got a 681. Since December I have been correcting incorrect info on my three reports. I thought that I got it all fixed. The last three reports show no negatives. Now eloan tells me that part of the reason for my low score is at least one account with six missed payments. I have never missed a payment. Where does this stuff come from? Now back to square one. I have to order all three reports. And I have to pay for them. I plan to buy a car this summer and this does not help. I am not really asking for help, just venting. But, any suggestions would be appreciated.