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And that was what I had said when he told me about that..I said that I understand we were broken up and you can do what you want. And I let it go. But he is holding this over my head.
I guess the better way to explain it is that we still operate our lives differently from the way we cook clean and manage our day to day, which is fine. I just don’t feel we are the point in the relationship to live! with each other like that. I feel we still need our space to have our own thoughts, moods, etc without the other person feeling some type of way.
He's not wrong, though. You actually have over 20 scores between the 3 bureaus. It depends on which revision FICO product is being used by a lender, and the algorithm is different for every product. Additionally, there's a separate FICO product for Mortgage, Credit Card, Auto Loans, and Other Loans.
Get a subscription to MyFICO, and you can monitor your scores and credit in real time. You also get a new credit report quarterly.
As for the issue with the raise: Your employer is not your friend. Don't settle on losing out on lifetime earnings by being “settled” in any job or relationship.