Hi all again. I just checked my husbands Transunion and aparently his score dropped thirty points to 605 even though there were no changes from the last report. We have been working on this for years and 605 is right where we started from. The only thing slightly different I see is that a 2 year old charge-off that was settled with Sears back in November of 2001 is not reporting a two year payment history at all. Also missing is the date when we settled. It does report this month as when the account was updated as they do periodically. Could the computer scoring be affected and does this seem to indicate that the charge off is being read as if it just happened? What should I do? Thanks DMR
One thing I just found out is that the above score is a fako TrueCredit score. I assumed if was a FICO because the whole site is sponsored by TU. TU's fico score was 635 a month ago. Does this make a difference?
Sounds like that's your difference. Truecredit aka "fako" is NOT FICO. If you were to compare both today they're probably different. See my fakos vs. FICOs in my sig.
