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[ARCHIVED THREAD] - Credit Score Problem

Posted: 9/28/2011 8:33:35 PM EDT

TransUnion & Equifax both in the low 700's. I'm young, and actually have a higher debt to credit ratio right now that I'm taking care of, so I'm happy with the credit score where it is.

HOWEVER, Experian score is about 50 points lower, in the 600's. Should I be concerned with this? To me 600's is probably not going to get me good finance rates, so I'm not happy.

Thanks!

Posted: 9/28/2011 8:44:51 PM EDT

[#1]

Is there anything on the Experian report that doesn't show up on the other two?

Posted: 9/28/2011 8:44:55 PM EDT

[#2]

Quoted:
TransUnion & Equifax both in the low 700's. I'm young, and actually have a higher debt to credit ratio right now that I'm taking care of, so I'm happy with the credit score where it is.

HOWEVER, Experian score is about 50 points lower, in the 600's. Should I be concerned with this? To me 600's is probably not going to get me good finance rates, so I'm not happy.

Thanks!

Get the full reports...Check for dings on your credit..late payments, writeoffs that you didn't know about...contest them if they are wrong

Posted: 9/29/2011 10:06:44 PM EDT

[#3]

scour the reports for inaccuracies. They all vary to some degree but it shouldn't be that big of a jump...

remember buying things with cash and not over leveraging yourself is always preferable to buying on credit!

Posted: 10/6/2011 4:03:08 PM EDT

[#4]

For mortgages at least, we use the middle score out of the 3. So, 2 scores in the 700, one in 600s = using the lower of the 700 scores for mortgage.

Definitely look at the report, and dispute any inaccuracies

[ARCHIVED THREAD] - Credit Score Problem

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[ARCHIVED THREAD] - Credit Score Problem

[ARCHIVED THREAD] - Credit Score Problem