I am quite annoyed at this point because even though I've gotten my three credit scores through freecreditreport.com, I've just checked my Equifax on myfico.com and it's a good 80 points lower than the Equifax score on freecreditreport.com. how are we supposed to know what scores are actually real and what scores are not? It's criminal how credit reporting agencies are allowed to arbitrarily adjust their numbers any which way they want without having to spell out to the consumer how they do it - and the consumer is the one who is affected by this awful system. On August 2, 2011 freecreditreport.com stated my scores are as follows: Ex: 634 Eq: 634 Tr: 634 On August 12 myfico.com stated my Eq score is 550!!! I honestly don't know what my scores are at the moment because of this and frankly, that's BS. On a more positive note, Citibank has generously agreed to request that their inquiry be dropped from Ex, Eq, and Tr. Thank you, Citibank. Previously: Current Scores July 18, 2011: Experian: 565 Equifax: 565 TransUnion: 634 I haven't got the foggiest idea why TransUnion is so much better. My Action Steps: 1. Reduce my Debt Ratio to less than 9% 2. Raise Credit Limit on my Visa to $5,000.00 3. Write Letters to have charge-offs removed - willing to pay to be removed if necessary 4. Automate loan and credit card payments so that keep all payments current 5. Obtain new installment loan with Chase healthAdvance when credit score reaches 670 6. Obtain secured MC for $3,000.00 Any other ideas? I currently have: One Visa with $1,850.00 credit limit (13% open credit) one 30 late (within last 6 months) One installment loan paid on time for the last 12 years ($9,000.00 yet to pay Four accounts in collections (hope to have these removed via letters)
FICO scores are the only credit scores you should care about. Those are the scores lenders will use. However, you can only get access to your Equifax and TransUnion-based FICO scores. Experian doesn't sell theirs to consumers anymore.
