Quote:
Originally posted by Dawson70
Oh man...do I need your advice!
Why do the 3 different credit bureau's have different scores? This is fustrating as hell. I know that most lenders use Transunion, but more and more are using the others. I paid a service to look at my scores and found tons of errors!!!!. I am going through the dispute process now. My biggest complaint are the companies that look at my credit without my permission. My Transunion score is about 70 points lower than the others.
Is there anything I can do to speed up the dispute process? It is going on 3 months here.
Thanks
Dawson70
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Well, to answer your first question, usually the scores are a bit different because of varying degrees of accuracy and detail, as well as different scoring mechanisms.
I see that you are in Central WI, so it isn't surprising that people use TransUnion the most. The Credit Reporting agencies are based (and most accurate) in different areas. TransUnion is most accurate in the Midwest.
Although many companies do glance at your credit without your permission, it doesn't hurt your score. Only companies that you allow to look will damage it...
As far as disputing goes, it does take forever, but I believe there is a required period of time that they need to take action in or take it off your bureau. There are companies out there that will charge you to dispute them for you, and usually they'll get it done much more quickly. It really depends on if you need it done quickly or just want it done quickly...
If you need any more clarification, please ask
