Just wanted to pass along a word of caution to those using Credit Expert. Yesterday I had a banker pull our EX scores. One report was 723 which was right on the money with CE. The other was 680, yet CE showed the score as 733!! The 2nd report is the one on which we still have 2 two-year-old paid and released tax liens. It appears that CE must not be taking the liens into account when computing the score, because everything is exactly the same on the report we pulled and the one the bank pulled, the only difference is the score. FYI DemPooches