I ordered my score from privacy guard yesterday and they were: 575 TU, 607 Experian & 612 Equifax. When the mortgage company pulled it this morning they were 565 TU, 592 Experian & 592 Equifax. Hubby's was: 625 TU, 645 Experian & 631 Equifax. Mortgage company said it was: 600 TU, 605 Experian & 664 Equifax. His equifax is up alot from our reports, but everything else is considerably lower. NOTHING has changed. NOTHING. How can this be? Is there a phone number for TU, Experian or Equifax?
From Privacyguard: How does your credit rate? Order your credit score and see the type of score that helps lenders predict what kind of credit risk you may be. Key word: 'Type'
When I refinanced my auto through my credit union the girl there gave me two different scores, one for auto and one for credit card. There is also another score for mortgages.
Actually something did change...you applied for credit. Given your already low scores, an application for additional credit will hurt worse than if your score were higher. Nonetheless, the scores from PrivacyGuard or any source other than FICO are only approximations.
The scores that the lender gets are the REAL (FICO) scores. The real Experian score (in my experience) is always anywhere from 10-50 points lower than what you see. TU can be anything that score is just a total waste of time. Equifax (which is the real FICO) I believe is usually always closest to what you see.
I was also told by a mortgage worker that the scores we see on our "consumer" reports are always different than he will see. You may want to check how many inq's you already had if it's more than 6 in the past 6mos - 1year it will really hurt you to apply for anything until some time passes. You may be considered to have "excessive inquiries" already and that will really lower your scores if you apply for credit. I too also found out that hard way that ordering the 3in1's are not always the same as if you ordered them from the agencies themselves.
