Need to clean up credit. I am working with a lender who found lower scores than my free report online did

Hello Bo,
I appreciate your site.
I have been working to clean up my credit, and based on information on your site realize that I have not been taking quite the right approach.
In any case, I had been using a 3-1 credit bureau with scores to monitor progress. Well I thought I was on the right track as it reported the 3 major credit bureaus as my score being in the high 500's/ea. The highest was transunion at ~592. However, in working with a lender who received the credit reports direct from the bureaus --- found that my score was on average a delta 100 pts lower than the score from my 3-1 credit service. (Ie Transunion from my 3-1 credit provider 592 --- transunion from lender 472). I could reconcile a 10 or 20 point delta / disparity , but 100+ is very disheartening. I believe 472 was accurate in terms of where things stood a year ago, but I have done a lot to payoff issues, etc.
Thoughts? Real Live Human
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Bo Majors
to RLP
show details
Feb 2
I would ask
1. how close are the dates from when you pulled and when the lender pulled your report.
2. did the lender pull from one bureau or all three.
3. are any of your payments even one day late
4. have you charged recently and gone over 80% debt on a loan or card
5. have any cards lowered your credit limit recently.
- Show quoted text -
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On 2/2/07, Real Live Human wrote:
Hello Bo,
I appreciate your site.
I have been working to clean up my credit, and based on information on your site realize that I have not been taking quite the right approach.
In any case, I had been using a 3-1 credit bureau with scores to monitor progress. Well I thought I was on the right track as it reported the 3 major credit bureaus as my score being in the high 500's/ea. The highest was transunion at ~592. However, in working with a lender who received the credit reports direct from the bureaus --- found that my score was on average a delta 100 pts lower than the score from my 3-1 credit service. (Ie Transunion from my 3-1 credit provider 592 --- transunion from lender 472). I could reconcile a 10 or 20 point delta / disparity , but 100+ is very disheartening. I believe 472 was accurate in terms of where things stood a year ago, but I have done a lot to payoff issues, etc.
Thoughts? Real Live Human
RLP
to BO
show details
Feb 2
Thanks. Any idea how much a tax lien costs in terms of point?
Real Live Person
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From: Bo Majors [mailto:majors@oskie.com] Sent: Friday, February 02, 2007
Real Live Human
Subject: Re: Frustrated Credit Report Disparities
- Show quoted text -
I would ask
1. how close are the dates from when you pulled and when the lender pulled your report.
2. did the lender pull from one bureau or all three.
3. are any of your payments even one day late
4. have you charged recently and gone over 80% debt on a loan or card
5. have any cards lowered your credit limit recently.
---------------------------------
On 2/2/07, Real Live Person wrote:
Hello Bo,
I appreciate your site.
I have been working to clean up my credit, and based on information on your site realize that I have not been taking quite the right approach.
In any case, I had been using a 3-1 credit bureau with scores to monitor progress. Well I thought I was on the right track as it reported the 3 major credit bureaus as my score being in the high 500's/ea. The highest was transunion at ~592. However, in working with a lender who received the credit reports direct from the bureaus --- found that my score was on average a delta 100 pts lower than the score from my 3-1 credit service. (Ie Transunion from my 3-1 credit provider 592 --- transunion from lender 472). I could reconcile a 10 or 20 point delta / disparity , but 100+ is very disheartening. I believe 472 was accurate in terms of where things stood a year ago, but I have done a lot to payoff issues, etc.
Thoughts? REAL LIVE PERSON

Real Live Human
to Bo
show details
Feb 2
BTW, I reran my scores after receiving the report from the mortgage broker and the 3-1 service still showed on average 100 points better than his. Yes, he did pull from all three and the scores were terrible, in the 400's with the exception of transunion which was at least low t mid 500's. I just want to get to low 600's so I can buy something again. I have high income and low income to debt ratio but credit scores which remain too low. Granted I need more time of paying my loans on time and lots of bad marks within 2 year period....
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I get all three of my credit reports so I "know" what is going on for godness sake. Then I negotiate and use this free dispute form to make the corrections. Instructions and addresses are on the dispute form. I also know how to raise my credit ccore fast quickly free.