topic Re: Is Transunion 644 a good credit score? in Rebuilding Your Credit

Is Transunion 644 a good credit score?

LoveGoodCredit — Sat, 13 Oct 2012 16:52:45 GMT

It was way lower than that when I started the credit repair. Is this an OKAY credit score? I have been working on my credit since July... :(

Re: Is Transunion 644 a good credit score?

martha75 — Sat, 13 Oct 2012 16:57:41 GMT

When I started my credit repair last year, my score was in the mid 500's. Today my Transunion is a 679, but my FICO transunion is a 638. 41 point difference. So is that your transunion or your FICO transunion? They vary greatly! If that is your FICO transunion that is a good score, but if it is just your transunion, then your FICO score is probably lower.

Re: Is Transunion 644 a good credit score?

LoveGoodCredit — Sat, 13 Oct 2012 17:18:15 GMT

Hello :-D. That acore is directly from them.

Re: Is Transunion 644 a good credit score?

martha75 — Sat, 13 Oct 2012 17:25:09 GMT

Have you checked you FICO score on THIS website? It is probably a little lower but don't be discouraged! YOu are on your way!!!! I am working SUPER hard to pick up another 25 points in the next 45 days! ACK! LOL

Re: Is Transunion 644 a good credit score?

LoveGoodCredit — Sat, 13 Oct 2012 22:25:20 GMT

I checked it on here in the beginning and it was very close. I am going to try to get more points too. I am stuck with the 4 collections till I can afford the PFD. Once I get the money for that it should be okay. Right now I am paying down credit card and each month I make an ontime payment on my car it seems the points go up like 4 points. Plus I have some inquiries coming offf. I got 65 points this month on TU, almost 50 on Experian and 15 on equifax. They hate me tho.

What are your plans to raise your score?

Is the score on here always different thatn what TU offers?

Re: Is Transunion 644 a good credit score?

Shogun — Sat, 13 Oct 2012 22:48:20 GMT

LoveGoodCredit wrote:
I checked it on here in the beginning and it was very close. I am going to try to get more points too. I am stuck with the 4 collections till I can afford the PFD. Once I get the money for that it should be okay. Right now I am paying down credit card and each month I make an ontime payment on my car it seems the points go up like 4 points. Plus I have some inquiries coming offf. I got 65 points this month on TU, almost 50 on Experian and 15 on equifax. They hate me tho.

What are your plans to raise your score?

Is the score on here always different thatn what TU offers?

That's awesome!!!! Don't worry about EX, they hate me too. Keep cleaning those CRs!

Re: Is Transunion 644 a good credit score?

LoveGoodCredit — Sat, 13 Oct 2012 23:53:04 GMT

Thanks Shogun. Until the new year it is maintenance. Just wondering how my forclosure was updated to reflect all ONTIME payments. Weird. :/

Re: Is Transunion 644 a good credit score?

masscredit — Sun, 14 Oct 2012 04:26:24 GMT

Should there be a difference between the FICO TU score viewed here and the TU score viewed through Walmart's site? I believe they are both FICO scores.

Re: Is Transunion 644 a good credit score?

Shogun — Sun, 14 Oct 2012 07:51:26 GMT

masscredit wrote:
Should there be a difference between the FICO TU score viewed here and the TU score viewed through Walmart's site? I believe they are both FICO scores.

Yes, they are both FICOS but they are different FICOs. Different scoring models.

Re: Is Transunion 644 a good credit score?

Jutz — Sun, 14 Oct 2012 16:42:50 GMT

What are the models and which is more relevant?

Re: Is Transunion 644 a good credit score?

Shogun — Sun, 14 Oct 2012 17:06:11 GMT

The FICO you get from here is a FICO98. The one from Walmart is a FICO08. It depends on which one the creditor pulls. There are many different reasons. There a mortgage pulls, auto enhanced pulls and credit card enhanced pulls. I can't tell you which one is more relevant for which creditor.