In the short time I have been hanging out at this forum it has been quite a learning experience. One of my biggest surprises came today. For years I have been monitoring TU, because it seemed all the places I have done business with went through them, (or at least that's what it appeared). Since I had been monitoring TU for years I thought I pretty much knew where I stood. Just recently pulled an Equifax report, and was plesantly surprised as some of the old stuff had fallen off on its own. Cool! Ah yes, then comes today, I pull a Experian report. Yikes, where did all this extra crap come from. They have good accounts listed twice with difference numbers. They have a derogatory listed twice, once under the name of the before merger bank, and once under the name of the acquiring bank. It's ugly! Just wanted to share my experiences with others, as this was a real eye opener for me. How can the same person look so different on different reports. I notice on many folks who post their FICO scores that there can be 50 or more points difference from top to bottom. Again, what is the logic, (Or lack there of), where your score can have such deviation based on who is reporting it?????
