improve my credit score

Why are the three major credit companies so different in how they score??? I hear that a particular company that you are trying to get credit from usually only pick one that they use.

I get my free credit report annually. www.annualcreditreport.com not to get confused with free credit report.com. I don’t think that one is really free… I was confused when I was trying to get one for my boyfriend and they kept wanted to charge, then realized I had the wrong site.

Anyway…. When I went to refinance my house I think I was up at 650 or something, 6 months ago?? I think they must have used the one that is the best score. Now that particular company is at 716 for me. That was the first one I pulled up and I about fell out of my chair. But, then another is like 670 something and one is 618 AND THEY ALL APPEAR TO HAVE THE SAME STUFF ON THEM!!!

This drives me crazy!!

this takes so much time, just waiting and checking. I get to check my free score again in Sept. My goal is to get it above 700. I will then apply for an “emergency” credit card and if I really truely get approved for one…. this goal will be complete!!!

I have been working on this goal for a year or so now. Apparently it is working. I was able to refinance my house and even pull some money out. Yea! I even dropped my percentage by a whole two points!!

I’m still not where I want to be but I am lots better off than I was a year ago!! G