now ok... here it is... if fico is fico is fico, why is my fico for tu 707 when my fico for eq is 725.. all cc balances are EXACTLY the same on both reports. I understand that the tu faco is diff (mine is 760) but why is fico different? eq: 36 accts 10 accts with balances total 44k length 12 yrs 0 negatives score: 725 tu: 43 accts 8 balances total 41k - 3k LESS! length 12 yrs 0 negatives score: 707 please explain if you can - thanks!
looks like a few more old tradelines - 2 car installments back from 1993 and 1995 and the others are cc's
The only thing I can think of is if any of the extra cc accts TU is reporting are open, perhaps FICO doesn't like the fact you have so much available credit?
heh that cant be - BUT! i will dispute them so that the reports are the same this is bullshit BTW, i checked eq fico today AND IT IS 732!!!!!!!!!!!!!!!!!!!!!!!!!! OH YEA BABY!!!!!!!!!!!!!!!! 617 on 6/1/2002 and now 732 OH HAPPY DAY
I agree with smontoya5 as I figured the 7 pt difference between my scores is due to the extra account on equifax. eq: accts 20 accts w/balances 0 neg accts 0 Total bal on all accts $0 Length 6 y, 6 m Inquiries 0 score: 680 tu: accts 19 accts w/balances 0 neg accts 0 Total bal on all accts $0 Length 6 y, 8 m Inquiries 0 score: 687 PS - I don't know why the FICO score account summaries have 0 negative accounts when I have a paid collection on both reports.
I would be cautious about disputing those tls it may very well lower your score. If you have all the negitives removed I wouldn't worry too much about the actual score.
too late i disputed 3 more we will see what happens thanks everyone now i need to get me a house - i think 732 will get me the best rate i hope
