I have had a FAKO swinging between 630-660 over the past 6-months. Every time I fix something something else goes awry.... I just had one trade line drop a 30 day past due to have an unused card with a nice limit close my account for non-use I guess? So net change was pretty nil. I also paid a $201.00 utility collection from 2006 -- they charged me $23 a month 5 months after I moved out of an apartment - they will not agree to delete - the web supports that they are inflexible on this - so curious to see if this becomes a negative or a positive on my report once the payement "reads". Some new $300 collection popped up out of the blue -- I disputed it and think it might be a medical bill - I've been fighting with my insurance company on a couple items - but thought medical stuff did not go on CR? Anyway I will do my best to have this corrected. So - Today - my Experian/Vantage score is 730 - purchased from Experian? What does this mean is it in any way accurate? I think it is a fair score? Should I buy all three scores this week to really gauge where I am at??
Vantage scores are "FAKOs" and on a completely different scale up to 990. 730 isn't bad though...it's in the fair range. In the future, I wouldn't waste money buying any credit scores unless they're FICO scores. Oh, and medical bills that end up in collection can certainly show up on your credit reports.
