RedRaven85

Thank you for the IAmA. I love the site and my wife and I both have been signed up for a while and seen the various changes. Just a couple questions.

1.) There are three major trackers yet only two on the site, any particular reason or are the two listed the ones that are focused on in general?

2.) Why is there such a major difference between the two scores, just generally different formula used by each company or do some things only report to certain companies?

3.) My wife and I just went through a Bankruptcy (coming up on the 1st year anniversary of the discharge in a few months) any tips on easy and small ways to build credit? Was told a secured credit card but was declined for one.

1) The short answer is that it takes time to work out the relationship and the cost structures. We only added the second bureau one year ago. 2) There should not be a major difference between the two bureaus. For example, my scores only differs by a couple of people between TransUnion and Equifax. If the score is differs by more than 20 points, there is usually a meaning difference in the reporting data. 3) The secure card is the way to go. Try again after one year. Many lenders have filters the recency of BK before they will approve you.

Makes sense actually, it has been a little bit so we might try for the card again a little bit after the 1 year mark.

As for the difference it isnt huge but I think mine and my wifes have a difference of 10-15 between the two (individually not comparing hers to mine obviously)

Again thank you so much for the wonderful site, I was skeptical at first but I love it.

Oh, any chance of ones FICO score being added as a feature eventually?