01-13-2009 01:00 PM
01-13-2009 01:07 PM
any idea of when will they start using the TU 04 on this site? it would be nice for a consumer to get the same scores the lenders and banks get to see.
The TU score pulled at this site is TU 98 and all cards are factored in revolving util calculations. The TU 04 scoring model used by some lenders, banks and CCCs, will code charge cards like Amex as open accounts and they do not factor in revolving util calculations.
01-13-2009 01:13 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.