I noticed discrepanies between the 3-FICO scored credit reports I ordered from myfico.com compared to one of the actual CRs I received from Experian. Four items that are listed on Experian are not listed with myfico.com. Actually, two of them I am curently disputing and two I have disputed in the past and came back supposedly "verified". Would that make a differnce in the FICO score? It's low enough already (it's 433) without those four items. Also I don't understand why there is such a big difference in scores between the three agencies? I have a judgment that is in the midst of being cleared because it was vacated but I have derogatories listed that should be clearing off within the next 6-9 months because they have already past their SOLs so I see no point in paying on them now. My EXP is 433, TU 517 and EQ 550. If someone understands this process PLEASE help because I don't! I'm going to try for a home within the next 6-12 months. Thanks!
