There's a lot of ways to go about this, the easiest way is to pull an individual report (from one bureau I mean) to see what's reporting on that one and then one from one or both of the other (go to the respective websites, experian/transunion/equifax.com and do NOT get a merged report) then compare what's reporting on each.
Once you do this important step THEN the "how can I raise it higher" should be asked, none of us can tell you what to do other than wild guesses because no one knows what's on there and depending what's on there your total debt, % of revolving vs installment, etc, the answer will change.
Your best bet is to do what I suggested (many years ago, this is what I did personally and I was quite happy with the results as I'm sure you are with your progress so far), you're on the right track, see it through!
Lenders use the middle score so if one score is dragging I would say don't worry about it.
The reasons why the scores are different are two fold. First not all creditors report to all bureaus so if one creditor that you have delinquencies with only reports to experian, then the experian may be much lower than the other two. Secondly, the three credit bureaus use different algorithms to calculate the score. One may have more focus on recent transactions than another or one may focus on depth of credit so it is not unusual to have a wide differential.
If you have any further questions please feel free to give me a call.
Cornerstone Lending Inc
Southampton Pa 18966
215 953 0800
cell 267 992 7276
VOTED BEST IN BUCKS 2010 & 2012
NMLS ID 143960
If you haven't already, I would recommend having the reports pulled by your lender to see where you stand.
Coldwell Banker Preferred
1207 Fayette St.
Conshohocken, PA 19428
(610) 828-9558 Office
(215) 866-8030 Cell
Hal Kaplan - 215-432-0908
Contact the credit agency that gave you that score and ask them why. There is no magic thing you can do without asking them.
From there you can check the one where the score is low and determine what on the report is causing this. Once you determine the cause, if it is an error, you can contact that reporting agency direct to dispute and hopefully have removed. Best of luck!