I am working on cleaning my credit and my credit report. I have signed up for TU truecredit and check my scores daily as well as checking my accounts.
They sure don't make things easy for you but... my question is this.

I got my score from Experian today at the same time I got my score for Experian from TrueCredit. They were not even close.

Equifax directly said my score was 582 and TrueCredit said my score was 601 for Equifax. Why the discrepency? How do you ever know what scores are correct or when they were last updated if there is such a distinct difference between the two?

Is there an easy way to get the report a mortgage lender would see or can you only obtain one through a mortgage company?

I would like to get my score up high enough to qualify for a decent mortgage this time next year. Almost all my old accounts have been paid or deleted and I've had one late payment out of 15 accounts in the last two years. My biggest drawback as far as I know now is percentage of available credit and no mortgage or "other" revolving accounts other then credit cards.

Thank you in advance for your answer.
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majors@oskie.com / to need credit fix / show details / Jun 22

20 points might be explained if there was a time difference in the pulling of the different reports.
If not maybe one reports lists something theother doesnt by accident
BUT
The score should be the same even though I would call 19 points as being almost of no meaning.
The score you want is 640+ to qualify for decent rates and 720+ for perfect rates.

Dispute stuff.Keep stuff open and good.Negotiate stuff.
In less than 2 years your score will be 720's