I thought I would share my FICO score analysis from Equifax and get your thoughts on why my score flucuated from 537 to 624 to 554 in a matter of days. FICO Score Oct 22 - 537 From Mortgage Broker FICO Score Oct 23 - 624 MyFICO FICO Score Oct 31 - 554 MyFICO 537 624 554 Pd Garnishment Pd Garnishment Pd Garnishment No dispute Dispute Dispute Southern Hoosier Southern Hoosier Souther Hoosier - Deleted Pd collection - Dispute Pd collection - Dispute 14 Inquiries Since 7/01 15 Inq Since 7/01 17 Inq Since 7/01 15 Student Loan entries Same Info - Dispute Same Info - No dispute 90 day lates - Refinance Paid 0 balance Dispute 2 Secondary Student loans Same Info - No Dispute Same info - Dispute 4(90) 2(60) 3(30) day lates Dispute First Premier - pd never late Same Info Same Info CL-450 Bal - 392 AT&T Wireless - Pd never late Same Info Same Info US Dep of ED - Loan in Deferment Same Info Same Info Too new to rate Cap One - Pd Never late CL - 1000 Balance - 732 Same Info CL - 1000 Bal - 810 Friedmans - $230 Past Due Dispute Same Info Dispute Same Info 3(60) day late pays ED Financial Srv Dispute Same Info Late pays removed 90 day late pays Paid as agreed Paid 0 balance Providian - Closed Dispute Same Info Info verified by grantor 2(30) 1(60) late pays Pays as Agreed Dispute Bank of America added Same Info CL - 250 Bal - 239 Too New to Rate I am not for sure what one event caused my score to rise to 624 or fall back to 554. I suspect that it might be the increase in balance on Cap 1 or the fact my Providian came back verified. Any thoughts that you have would be appreciated. Skynet83
I am having a hard time formatting this so that it is readable without using a Word document. If anyone is interested, I will email you the original Word document which is readable.
