General Credit Topics

[Californiagirl]

Can some one please clarify why TU is now coming up with a secondary score listed as N/A with the header of New Account Model. I have a TU score listed right above it.

Thanks

[Bruiser]

is this for MyFico?

TU hates me, i wouldn't be surprised if that 2nd score is a negative for me

[MidnightVoice]

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Californiagirl wrote:

Can some one please clarify why TU is now coming up with a secondary score listed as N/A with the header of New Account Model. I have a TU score listed right above it.

Thanks

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Where is this new score?

[Tuscani]

<------------- also confused. Where do you see this?

[Californiagirl]

On a mortgage credit report that my loan officer pulled. Both my husband and I have all 3 scores but the additional TU that states New Account Model and the score reads as N/A.

[Bruiser]

could it be the upcoming fico changes in sept?

hmm,..probably not,..but sounds interesting anyway

[Noah_Bodie]

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Californiagirl wrote:

On a mortgage credit report that my loan officer pulled. Both my husband and I have all 3 scores but the additional TU that states New Account Model and the score reads as N/A.

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Could be Vantage. Could be mortgage industry scoring. Almost every industry also looks at their own variant of some scoring model.

[Revike]

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Bruiser wrote:

could it be the upcoming fico changes in sept?

hmm,..probably not,..but sounds interesting anyway

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That was my first guess when I saw this thread - that TU is computing and supplying both scores, so lenders (or at least mortgage lenders) can see how applicants' scores are affected by the new formula. Useful information if you're a mortgage lender.

Doesn't necessarily mean that TU is the September CRA, though ...

[SoulSmilen]

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Revike wrote:

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Bruiser wrote:

could it be the upcoming fico changes in sept?

hmm,..probably not,..but sounds interesting anyway

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That was my first guess when I saw this thread - that TU is computing and supplying both scores, so lenders (or at least mortgage lenders) can see how applicants' scores are affected by the new formula. Useful information if you're a mortgage lender.

Doesn't necessarily mean that TU is the September CRA, though ...

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That would be a careless choice since TU is so slow at updating.. talk about wreaking havoc on the consumer finance world! LOL