Is the FICO score based on information provided from all 3 credit reporting agencies or just Equifax? Ive gotten all my files cleaned up with the exception of a collection and a chargeoff showing on my Experian credit file. Im wondering if its worth the time to clear those off too. I'll only mess with it if it'll improve my FICO.
F.I.C.O. scores are based on all 3...but you must pay to get the scores...ANY THAT ARE FREE...USUALLY ARE NOT F.I.C.O. AND only the information on TRANS UNION has any affect on TRANS UNION F.I.C.O. AND EQUIFAX--EQUIFAX F.I.C.O. EXPERIAN--EXPERIAN F.I.C.O.
