Another FICO question. If an account is deleted off 2 of the big 3, does the FICO go up or does it have to come off all 3 to see a difference? Of course I am going to keep disputing to get the 3rd but just wondering...Thanks
One thing you need to understand is that a FICO score exists for EACH credit bureau report. Your Equifax, Experian and Transunion FICO scores will be different because each of the bureaus contains different information about your credit. You can purchase your FICO scores from Equifax and Transunion, and you will see that they are different. Experian doesn't allow access to the FICO score, but they let you purchase a proprietary score for their report (we call this a FAKO score because it isn't a true FICO). You have to attack each report as a separate entity. What you do on one report has no effect on the other reports, or the scores from those reports.
Thanks for the info. I guess what I am wondering is how mortgage companies come up with thier FICO since there are 3 reporting agencies. They usually want to know what the middle score is.??
Exactly. Most mortgage companies pull all three reports with fico scores fron each and they use the midlle score to rate you. Also keep in mind that info on one report is pretty much considered to be on all three. So if you have a judgement on one report, but not the other two they will likely ask you about the judgement. good luck pb
