I do mortgage loans and look at Credit Reports almost daily. A 70 point difference means that one of the repositories has not updated the old account that "retired" or has a different algorithm for calculating when an account retires. When I notice a big difference, I examine the report to make sure which account is reported differently. If we have time, I redraw credit in 30 days. It has almost always equalized by then. Patience is a quiet but powerful virtue.
