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Searching for some recommendation on tips on how to deal with an previous charge-off that I paid in full (no assortment). I’m making an attempt to get my center FICO 5/4/2 to 740-760+ by finish of the yr to get the most effective mortgage fee I can. At the moment scores are 806/730/723. The rationale for the 806 vs the others seems to be because of unfavorable merchandise reporting in another way to totally different bureaus: https://imgur.com/gallery/rvAmy9w
For Equifax, this CO is reported as ”paid in full, closed” which seems to not be acknowledged as a unfavorable account by the scoring algorithms, although it’s clearly a cost off for those who have a look at the report.
I’m considering of disputing to TransUnion solely since that is my lowest rating and I don’t wish to jeopardize my greater scores. Actually I simply need it up to date to replicate the identical standing as Equifax, however don’t know if that may change something with TransUnion algorithm. I’ve disputed these prior to now (few years in the past), with rationale that I used to be shifting cross nation and by no means acquired payments in mail or late discover till I bought a name after the account was closed.
Admire any recommendation!
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