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I was curious if anyone knows all the places that pull the newer TU 04 score over the classic TU 98.... I got my final pull for my credit from my lender....
Of my 3 scores listed, the biggest difference I noticed came from the new 04 score being close to 40 points HIGHER with the new TU 04 score....as I looked at it, I am thinking that the newer score places less emphasis on new accounts and inquiries....
Maybe someone can help me out here w/ places that pull the new score AND the scoring difference....(which may even be a guess at this point)
bump
In my case, I don't have any cards without a preset spending limit.
My TU 04 is about 25 points higher thanTU98. (741 vs. 716)
I've heard rumblings that your more recent credit history (as in the last two years) has a slightly greater impact in the newer version - but I could be wrong. My baddie is almost ready to age off - so that makes sense in my case. Hopefully someone more knowledgeable about the variations in the two scores will chime in.