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Another reason your scores can be unique is since the creditor will probably pull 1 of the credit reports instead of all 3 once you submit an application for new credit, producing a variation in the amount of hard inquiries designed in your credit.
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Trans-Union tries to trick individuals into subscribing to some type of provider when they request a free report. The FTC should be monitoring and stopping this type of actions.
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These report variations will even include annotations so that you can immediately see if they’re serving to or hurting your FICO® Rating.
Over time, a late payment will lower in effects, but a number of missed payments within a row or late payments on various accounts can hurt your credit.