Credit Repair & Debt Relief Issues

das mole asked:


Thanks to keeping my balances low and making good payments, both Transunion and Equifax scores have been going up nicely (IT CAN BE DONE!). Experian, though, has been moving MUCH slower (if at all). The only difference between Experian and transunion on my report is the number of credit checks that have been done, but that number is virtually the same between Experian and Equifax.
Any insight would be much appreciated!
Well, he was right. Til now, I’ve been getting my scores from truecredit. But I just got my scores from myfico and compared them to a credit report that a mortgage company had pulled for me a couple weeks ago. TrueCredit was way off, but myfico matched perfectly. Thanks!!

Linda T asked:


I ordered a credit report & scores from Experian: score 781(Very complete report) Equifax: score739 (Had only 2 accounts on report and they had been closed since 1989 &1999) TransUnion: score 746 (Payment status on most all of my accounts were either “unrated” or “unrated or bankruptcey” I have never had a bankruptcy and I feel that statement infers that I have. I have applied for a refi on my home (getting rid of an ARM mortgage) and I was told that they would take all 3 scores and average them out. I feel this is not fair to me because of the two credit reports that are not complete. Is there any way that I can make the credit bureau complete my file? Maybe send them a copy of my report from experian? Thanks LindaT