50 point difference between MyFICO and Kroll

[TeeJS]

Had a loan officer pull a 3-in-1 report from Kroll Factual data today, and the score for TransUnion had a 50 points difference (503 vs 551) between it and MyFICO. MyFICO showed the score as 525 on 12/22 and 551 on 1/15, so seeing it at 503 on the combined report nearly broke my heart. Is MyFICO that inaccurate, or is there something else that could be causing the wide spread?

I know TU won't send updated reports while there is a open dispute, could this be a contributing factor?

[chane]

Originally Posted by TeeJS

Had a loan officer pull a 3-in-1 report from Kroll Factual data today, and the score for TransUnion had a 50 points difference (503 vs 551) between it and MyFICO. MyFICO showed the score as 525 on 12/22 and 551 on 1/15, so seeing it at 503 on the combined report nearly broke my heart. Is MyFICO that inaccurate, or is there something else that could be causing the wide spread?

I know TU won't send updated reports while there is a open dispute, could this be a contributing factor?

It could be from many factors. MyFICO shouldn't be inaccurate at all. Either way, anything is the 500's is horrible. Have you started repairing your credit?

[TeeJS]

Been working at it for a little while with slow but steady results. Hoping to get into the 600-620 range to qualify for a mortgage, but afraid it'll be a long hard battle!

[odelbr5]

Is it true that TU wont report while a dispute is in process????

[TeeJS]

Originally Posted by odelbr5

Is it true that TU wont report while a dispute is in process????

That could be the problem - I've had nearly continuous disputes with them for over three months.

[odelbr5]

Thanks! I hope that's the case. I was pretty disappointed when I heard that 542 come out of his mouth. Ill wait 30 more days til it updates again and ill post the results.