credit scores

[AMDamn]

So I just checked my credit report and got these numbers.

735 from Experian
778 from Equifax
775 from Transunion

WTH is with Experian giving me a 735? I'm calling them to dispute that crappy number.

/RANT

 

[Queasy]

Are there any differences between the three reports?

 

[AMDamn]

experian reported that I don't have an active credit card, which is BS.

 

[Queasy]

All it takes is contacting Experian and letting them know. They'll fix it. I did the same thing with Equifax a few months back.

 

[hanoverphist]

experian told a CC company that i had too many high balance accounts and bankruptcies on my record to qualify for a card... ive never had any bankruptcies, and i only have 2 cards that are at minimum balances... i called and got that figured out quick, but i never went back to apply for the card again... i really wanted that WoW credit card...

 

[MrWizzard]

Maybe they know something the others don't for me it was like

798 from Experian
793 from Equifax
795 from Transunion

So I got a 793.... I guess they go with the lowest?

 

[Hammerhead]

are those fico scores or vantage scores?

 

[kranky]

You cannot dispute a score, so save yourself a phone call.

 

[dugweb]

be proud of those credit scores.

In my line of work I see people with all ranges of credit, and it amazes me how many people have terrible credit. High 700's are definitely not the norm.

 

[zoiks]

For some reason my credit score fluctuates every month when I pull the report. Once it was 807, the next month 786, 756 and now its 775. I pay off my balances right away and I have absolutely no debt.

 

[Lithium381]

i was at 750 two weeks ago, financed a car, dont' know how bad that is going to hurt(in the short term)

 

[Whoozyerdaddy]

Originally posted by: MrWizzard
Maybe they know something the others don't for me it was like

798 from Experian
793 from Equifax
795 from Transunion

So I got a 793.... I guess they go with the lowest?

Middle score. You'd be a 795 on a mortgage app.

 

[QED]

Originally posted by: Queasy
All it takes is contacting Experian and letting them know. They'll fix it. I did the same thing with Equifax a few months back.

If his score is "low" because Experian doesn't know he has an active credit card, calling them won't do a damn thing.

You could have an active credit card account with 100 different lenders each, but if none of them report it to Experian, as far as they care you have 0 active credit cards.

 

[Dr. Detroit]

I financed a car last week and got my credit score. I had not had my credit run for about 8yrs since I was still in College.

Scored an 801.