Transunion Fico Score

[GST2008]

Can anybody help me out with this? TU is my lowest score by far on my CR yet it has no Inquiries, was effected the least by my BK (fewest remaining baddies), and the longest account histories on it. When the actual CR is compared to EQ and EX, TU is bar far the strongest, yet the score is like 40 points lower than EX and almost 60 points lower than EQ. How can I get this score caught up?

[Junejer]

Well, first what's in the CR? What types of TLs? Any lates or other baddies, etc. Provide as much detail as you can stand, so that you can get as much good information as possible from the fico-family.

[GST2008]

1. Public Records - BK (05/03) 2. Usage - 37% of credit is being used 3. 3 accounts are listed with missed/late payments from the BK: however when I look at these accounts in the CR, there are no dates listed for the late payments, they have already been deleted from my CR and it just says unknown in the columns for late payments, also under the area of what is bringing down my score, it says missed payments in red, but the value is 0 and the status is unknown. That's all that's negative on my record. It has no inquiries. The three items and bk are all last reported in 5/03.

[Junejer]

What you ought to do is lay out the three reports, side-by-side-by-side, break out your magnifying glass and fine-toothed comb and go through each one noting the differences in what's report and how. There are always differences, sometimes very subtle ones that will make a difference in score. Also, each CRA has a different FICO scoring algorithm, so all things being equal, there would still be a score difference. Also, as you get the uti under control, your scores will come up.

What is TU scolding you about? Is one of them too many accounts with balances?

[GST2008]

They listed the BK, the three accounts for missed payments, and having 0 accounts with late payments (even though the number is 0 it is coming up on my bad section). I think what happened is that the accounts quit reporting the data, but TU "knows" about it. It just says 0 and unknown.

[GST2008]

oh the 37% of my credit being used was also on there