Hello Everyone, I am in the middle of trying to fix my CR's right out of BK. Many were listing balances and I had them changed by disputing. But my Experian report has a Credit Score of 599 and my Transunion is 500 . Experian went up over 50 points and Transunion went down 20 even after having a charge off removed. Equifax FICO is at 545. What could be causing such a low Transunion score? How should all my BK accounts be listed? I noticed that on Transunion, some have a balance of zero and some are completely blank. Does this make a difference? Also the pay statis is listed as "unrated" The account types are listed as "open". Mention of "chap 7 bankruptcy" is listed in the remarks section. Thanks so much
That's exactly about the point spread I have between Experian and Transunion. My TU score also plunged after they corrected all the mistakes, including the listing of Student loan balances that only Experian listed correctly as zero balance. Since the Department of Education website listed them incorrectly, I went to the Student loan servicing organization in this state to get copies of the zero balance.
I checked again and for no apparent reason the score from TU went up 37 points. Still it is a 62 point spread but there are two more collections on TU. One was deleted from Experian. It is like there was a delay.
