If the iinfo is truly exact, the score shouldn’t differ that much, but likely the info is slightly different.

first off sounds like your getting fako scores instead of fico scores. when you get your scores from the monitoring service does it say fico score or does it just say score? go to and order all three reports and scores. i bet you will find a much different story but here is the bottom line. all three places use different scoring information so when you get “scores” from a monitoring company it will give you a score that they came up with which can sometimes be a few hundred points off +or- but when you go to myfico.com and order fico scores. myfico scores them all the same way accordign to the information that is on each on report. pay no attentino to fako scores they mean nothing. if you are really concerned like i said go to myfico and order all three reports and get your scores then keep your monitoring service and forget about the monitoring service scores. go to and read read and read and ask question and dispute and clean up your credit reports.

The reason you have 3 different credit scores is because each of the bureaus are independent of each other, and have completely different scoring systems. In my 4+ years I have only seen someone have the same score from 2 of the bureaus ONE time. Don’t be concerned about this at all.

What you should be working on (and it sounds like you WANT to) is raising your credit score. With the scores you have right now, you are in the bottom 10-15% of the population. But don’t fear! It is rather easy to increase your scores drastically, and within a reasonably short amount of time.

#1: Keep each type of account on your reports. Your bureau is divided into the following: a)Mortgage, b)Installment (like auto, student and personal loans), and c)Revolving (credit cards). A:If you aren’t a homeowner, or don’t think you can qualify for a purchase, look into a Lease To Purchase option. This will allow you to get your foot in the door to home ownership. B: Paying cash for your vehicles will hurt you in the long run. If you can’t qualify yourself, get a co-signor…At least you will be building your credit!

***C: REVOLVING ACCOUNTS***
The reason I am starring this, is because this is where the large majority of my clients with low scores have fallen short, and the easiest to correct!
1. Never pay late- pretty self explanatory
2. Don’t close out all of your cards! One HUGE misconception is that you will benefit if you pay off and close out all of your accounts. On the contrary, this actually really hurts your credit. Think of it this way…You have had these long-standing accounts with good payment history, and all of a sudden they are gone! It’s basically like a heart attack to your credit report! Closing out a few accounts which haven’t been used for a while is okay- start with accounts that have smaller available credit limits and huge interest rates like store cards (Sears, Old Navy, etc).
3. Remember the “50% rule”. Simply put, don’t go over 50% of your available credit limit. It doesn’t matter if you have a limit of $1000 or 10,000…Keep it under the 1/2way point. People who do not follow this will see a drastic drop in their scores; even if they pay on time each and every month!
4. Lastly, USE YOUR CREDIT! Charge dinner, gas, groceries, whatever…And pay it off when the bill comes. You want to make a conscious effort to keep your credit open and active every month.

I hope this helps! It will take some time and effort, but you could see your scores reach the prime level (above 685) within a years time!

The first step you need to take to repair your credit score is to get your credit reports from all three of the major credit reporting agencies: Equifax, TransUnion, and Experian. You want all three because the information provided is not necessarily the same on all three. In fact, you might find something reported to just one that is not reported on the other two. Compare the three reports and look for any errors. There just might be a mistake on there that is dragging your credit score down. If this is the case, write to the credit reporting agency immediately to discuss the error. The easiest way to do this is to visit the agency’s website and report the error through their online form.