providian credit score?

iVillage Member
Registered: 08-19-2003
providian credit score?
Sun, 04-30-2006 - 9:42pm
Hi everyone. I don't get to post very often, but I read all the ups and downs nearly every day. I have a question. I have a providian card, and on their website they give you a credit score that is updated each month. It is from Transunion, according to the website. Anyway, since January or February, my score has gone up 45 points to 584. Still dismal, but at least it's up. I seem to remember reading somewhere that the Providian-provided score is not an accurate score, something about it being lower than the actual score and it isn't the one lenders see when they check. Anyone have any idea what I'm talking about? I have been paying more than minimums and have paid off three cards since the first of the year. I also have paid off a loan, and paid off my Dell account. I haven't had a late payment in months. In the last 16 months, I have paid off $11,000 in debt. My car will be paid for in 5 months, and I will have two more cards paid off within the next couple of months hopefully. I hope to buy a house within the next year, so I've been busting my butt to get things paid down and raise the credit score. Hopefully one of you have more insight into the score question. Also, anyone have a ball park number where my score should be before I try to buy a house? Thanks!