Usable Score???? I have so many posts going on this board but my husband and I are trying to do all we can in various areas of our credit. Here is our situation. 707 equifax(explain later) 617 tu 618 ex We found out that the reason the equifax is so much higher is because they have the wrong address and only 1 creditor has been reporting since 04/2002.All of the accounts are still on the report ,just have not been updated in a year. We have found a couple of lenders for home equity that pull only equifax BUT is this a"phony" score or is it usable?? Thanks,once again,Janet
Usable Score???? I would check that equifax score once again. your address has no direct impact on your score. And as for not updating since April, that's not it either. Most likely the balances on your accounts are totally different or you have older accounts on EQU or you're missing some negative info. on EQU that is there on EXP and TU.
