I have signed up for Truecredit to monitor my scores. My have an existing home and are looking to buy land and build a home next year - so I will be trying to float two mortgages for a bit right at the top of my 36% debt to income ratio. I figured I would need very good credit to do this. Here are my scores: TU 682 EXP 665 EQ 804 Now, I have three medical collections on EXP and TU that do not show on equifax. They are for $75, $75, and $304. I paid the two $75 collections and got a letter that they would delete from my credit, and of course they have not. They did report as paid with TU, but are still showing a unpaid with EXP. I have disputed both. The $304 is very old - from 2002 - and insurance billing mix-up. I thought I would go the more formal route w/ the pay for deletion letter for this debt. Beyond these 3 items, I haven't paid a bill late since 2002. I have established credit for 15+ years. How can I raise the TU and EXP scores? Is this sort of discrepancy normal? Gotta love the 804 though. Thanks for the help!
That sounds like a normal spread if you have collections on one and not another. Best bet, work to get those collections off your reports. Check around this site for tips on how to do that. Each one might require a different approach. Review as many options and strategies as you can find and then pick the best tool for the particular job. Also remember that old ones will fall off naturally after 6-1/2 to 7 years so keep that in mind when strategizing. Good luck.
How you pay accounts for 35% of the FICO equation. The fact that it's not reporting to EQ is the reason for the difference. It's normal if it's not reporting.
