credit repair question?

In the past couple months ive been working on my credit. i got a couple of negatives taken off by pay to delete. i had a couple more negatives taken off by hiring a credit repair company (sky blue). the thing is they disputed everything. and 4/5 were deleted from trans union but the same account was disputed on the other 2 but they renewed the info. so my credit score one trans is 711 and the other 2 are 580. i dont understand how this is possible. any help would be appreciated.

1) The companies that were disputed against didn't reply correctly or in the allotted time for Trans Union. Expect that if the information was correct it will be readded to your credit report once it comes back verified.

2) The TransUnion doesn't have any of the negatives of the other two reports. If the info was incorrect, dispute it with Experian and Equifax. If it was correct, it will be back. If it was errorneous or unverifiable, then they are good.

3) First off, you could have just disputed everything on your report yourself. Why you chose to hire and pay someone to do this is beyond me. At any rate, don't get too excited that 4 of the 5 disappeared. Have these items gone through the time frame allowed to be validated? Were the items that were disputed actual accounts that you know are yours? If so, you can expect those accounts to show right back up on your report. There are 3 credit scores. They will all usually be different as all 3 use a different model and scale to score you. The only score that really matters is your FICO score.

4) You wasted your money with that credit repair company. They can't do anything to remove legitimate negatives from your credit report. The ole "dispute everything and hope it falls thru the crack" method of credit repair does not work. Even if something does slip thru the crack, it will show back up on your credit report when the creditor next updates or it the debt is sold to another collection agency. TransUnion and Experian sell consumers Vantage scores (scale 500 to 990). Equifax now sell consumers their own scoring system that starts at 200. Third party monitoring services use Fakko scores. There is no comparing any of these scores. They are all worthless. The only place consumers can get real FICO (scale 300 to 850) scores is MyFico.com. In any case, your real FICO scores will be different at each credit bureau. Not all creditors report to all three credit bureaus, nor update to all three at the same time.

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