FICO scores

[mixxalot]

I checked my FICO score after my CH7 BK discharge in 3/06 and noticed that my Transunion was a lot higher (665) than my Equifax (603) score with same creditor information.

How can I get Equifax to raise my score to be same as that of Transunion?

[FilingOnMyOwn]

You can't. Each credit bureau has their own criteria. Repair all inaccuracies on your reports, and rebuild your credit through new credit lines. Thats all you can do.

And, its a good idea to apply to creditors that pull a credit report of that with your best score. You can call and ask any creditor which bureau they pull from, before applying.

[mixxalot]

Question

That sucks, but thanks for the tips.

I kept my credit card and auto loan through the BK and have paid on time on these accounts. Most of the debt was medical bills. How many accounts should I open and how often should I open the new accounts to best improve my FICO score?

Thanks
Scott

[FilingOnMyOwn]

If you already have a credit card and auto loan reporting, than you're in good shape. I would focus on opening new credit cards that don't cost you a dime. Don't pay any fees, annual or otherwise. Providian, hooters mastercard (merrick bank), would be a couple examples of fee free cards that you could try getting.

[mixxalot]

Hooters card

Thanks, I never knew that Hooters had a credit card. I applied for it hopefully I get approved. I always enjoy eating the hotwings and bucket of shrimp with at Hooters.

How long should I wait between apply and obtain new credit cards? I want to minimize the impact that inquiries have on my FICO score.