Logged into eLoan's FICO retriever today and got back a score of 681 - much higher than I ever dreamed. Unless... it's not TransUnion. It said I had 7 revolving accounts with 3 old collection accounts. This matches both my TU and EX reports. Since my EX is my best one, and TU is my worst, which one do you think it pulled? I ask this only because the EX tool is called 'CreditExpert' and is questionably close in name to what is on eLoan (Creditxpert). Any thoughts? Also, I queried using my middle name first and received a score of 681. After checking my wife's score, I queried again using my first name, and received a 676! Down 5 points in 5 minutes!!! So does it pull hard? I know it's not supposed to.. Any thoughts on this one? One more thing: I am disputing several TL on each of the reports, so would this number be higher than it normally would? Thanks for your help,
I am no expert, or "xpert" by any means, but several have stated that while items are in dispute, your score does go up a tad. However, once resolved, if the TL stays, it will go back down, and if deleted, should probably stay the same (up a few points). There is something related to this in the FAQ section. I would link it, but don't know how. As far as where the information came from, TU or EX, it should say somewhere on the screen, probably in the smallest print possible about information collected from "so and so"
If TU pulls a soft inquiry, then why would my FICO drop 5 points in 5 minutes using all the same information except for a switch in my first and second name? Forgive me, but I forgot about what was in the FAQ section. It seemed that TU didn't withdraw any TL that were being disputed, or am I getting mixed up? Thanks,
