Asked by curlysue36, New York, NY • Wed Feb 20, 2013
I have been working for over 2 years to get it to change. When I first started this whole process my score was a 575. I paid off old debt, I had old stuff removed, I had inquiries removed. I applied for new credit, got it. I have a car loan and a student loan, and 2 credit cards. Just re-fied my car loan yesterday for a lower rate and lower payments. When she pulled my credit yesterday it was like a 595. There is no way after everything I have done over the last 2 years that it's only gone up 20 points!! I can pull it from the 3 bureaus and it tells me my scores are way higher and then I look at it from somewhere else and they are way lower. What is the deal? I will never get a mortgage if I can't get it above 625!! How can all of these different places have all of these different numbers? How is it that they aren't all the same (I mean given a couple of points here and there)? Is there someone the reporting agencies have to report to? I want to go to them! This is ridiculous.
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