1) According to privacy matters my Equifax score (which is my middle score) is 568. I also have Scorewatch with Equifax which says my score is 481. Which is accurate? Why the huge discrepancy?
2) This is what I have done thus far:
1) I have set up my bills to pay automatically. Especially my credit cards, so that I can get my balances down and pay on time.
2)I have disputed a couple of items that are not mine. They have zero balances but have several 30-60 past
dues on them.
2) I have disputed some past due 30 days that are incorrect. A couple show 2 months that are late when actually it was just one.
3) For the months that actually were late, I have sent out goodwill letters explaining why I was late and asking them to remove the lates.
4) One account is listed as a charge off but was paid in full. I have disputed that.

Basically I think that is it. I would like to get a mortgage loan around September. Do you think these things will improve my score enough to do that. It is hard to be patient. This is almost obsessive. What would you guess my score increase will be if all these things turn out well.
Live Human Being
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Bo Majors / to Live Human / show details / May 5
Sounds good to me
Make sure you have 3 open and 1 yr old lines of open credit that is reported on your bureau
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"Need credit fixed" / to me / show details / May 5
thanks, but do you know about the 2 different equifax scores? Which is more accurate and why the big difference?
Live Human
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Bo Majors / to live Human / show details / May 5
If the scores are from the same bureau. the score should be the same if pulled the same day.