Holy score freak-out, Batman!

[Cole]

My FAKOs have totally flipped out. As of two weeks ago, I was running fairly similar with the big 3... lowest around 500, highest around 600. I recently paid off an auto loan early (like 5 years early), so I was curious as to how my scores would take that info as it came down the line. Ex and EQ dropped by 100 points. Ok... So imagine my suprise when it caught up to TU yesterday and THAT score went UP over 150 points. Huh? I'm confused now. Now I have scores ranging from 450 to 760. wth?

[Bigwoodystyl]

My FAKOs have totally flipped out.

This is irrelevant, the operable word being FAKO.

I recently paid off an auto loan early (like 5 years early), so I was curious as to how my scores would take that info as it came down the line.

This won't help your scores. You'll lose the opportunity to make five years of payment history. Plus, utilization on installment debt is not factored heavily, so reporting a closed installment TL with a balance of $0.00 is more of a hindrance if you are trying to raise scores.

...THAT score went UP over 150 points.

1. You're using FAKO, which are unreliable.

2. I would venture a guess that something is reporting differently on the TU reporting. Either, the loan is not reporting a status of "closed" (which would help you drastically), or something else is awry.

3. If everything is reporting correctly, then see #1.

If you want more reliable scores, you'll need to buy them from FICO (or Equifax).

Really, though, you should not buy any scores, as this is a waste of money IMHO, nor should you focus on scores, either. Get your reports, clean up the derogs (you obviously have some with a score in the 500s, FAKO or not) and pay down all of your debt, revolving before installment.