True Credit is starting to piss me off

[marializ]

Ok yesterday I checked my scores on True Credit my Experian went up from
555 to 620 I was so excited and happy. Checked again today and now my experian is back down to 549 wtf!! I called True Credit got someone overseas who hardly spoke english (outsourced probrably) Told me I had to call back on monday to speak to someone at a different number. In the time period I did not apply for any credit etc and everything looks the same on my CR. Has this happen to anyone else??

[NASCAR20FAN]

Ok yesterday I checked my scores on True Credit my Experian went up from
555 to 620 I was so excited and happy. Checked again today and now my experian is back down to 549 wtf!! I called True Credit got someone overseas who hardly spoke english (outsourced probrably) Told me I had to call back on monday to speak to someone at a different number. In the time period I did not apply for any credit etc and everything looks the same on my CR. Has this happen to anyone else??

You have to remember that all 3 agencies are different. Some things may appear on one report and not on the other 2. Do you have any disputes uotstanding? If so, that could be one reason for it. I had 6 disputes pending at one time for EQUIFAX. My score jumped +28 pts for them. When the dust settled from those it dropped -11 pts. You really cannot blame truecredit for this. Any huge imporvement in your score could balance out with a drop later.

[newstart]

marializ,

update your credit report on true credit and also check your alerts to see if they are notifying that something has changed. That happened to me and when I checked my alerts one credit agency was reporting an old capital one account 90 days past due. hope this helps.

[down&out]

Part of that might be because you are showing a higher balance then normal. For example -

I charge my cap-one card up to about $800 every month and then pay it in full the instant I recieve the bill.

Whats wierd is my statement comes out on the 6th - on the 6th they report to the three CRAs. My score always drops between 10-20 points. I then pay it off and they report within about 3-4 days. Then the score goes back up.

Its wierd.

Also - remember that they use thier own formula - not FICO. I find that my truecredit scores are about 50 points higher then my real FICO scores.