Very strange both reports look identical except my TU has a major derogatory on it that EQ doesn't . Has anybody run into a big score difference that also looks odd? I know the 3 bureaus don't use exact same scoring model but this is odd, unless I'm missing something major. From everything I can see my EQ should be higher than my TU but its 83 points lower.
Neither is reporting a cc and a cli on diff cc I recently got, so that's not it.
@avggoal700 wrote:Very strange both reports look identical except my TU has a major derogatory on it that EQ doesn't . Has anybody run into a big score difference that also looks odd? I know the 3 bureaus don't use exact same scoring model but this is odd, unless I'm missing something major. From everything I can see my EQ should be higher than my TU but its 83 points lower.
Neither is reporting a cc and a cli on diff cc I recently got, so that's not it.
That would be the culprit there.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:
@avggoal700 wrote:Very strange both reports look identical except my TU has a major derogatory on it that EQ doesn't . Has anybody run into a big score difference that also looks odd? I know the 3 bureaus don't use exact same scoring model but this is odd, unless I'm missing something major. From everything I can see my EQ should be higher than my TU but its 83 points lower.
Neither is reporting a cc and a cli on diff cc I recently got, so that's not it.
That would be the culprit there.
Maybe I'm wording it wrong but TU has a major derogatory on it but is 83 points higher than EQ that doesn't have that same major derogatory .
my TU looks worse as far as I can tell but is 83 points higher.
i don't agree that all these negs should be on my report but that's diff issue:
neg 1: on EQ it's a 30 day late from 2010. On TU it's same 30 day late plus has a 90+ day late starting later in 2010 (to me this why I'm confused on score).
neg 2. Both have a 30 day late from 2010.
neg 3: both have a 90+ late but EQ started it dec 2012 while TU started it jan 2013.
neg 4: both have a 30 day late from 2014.
To me, TU looks worse. As you can see both reports have the exact same 4 neg bills, just diff dates.
OK.. got it.
I do know that the versions are different.
DCU FICO Beacon 5.0
Discover TU FICO 08 Credit Card enhanced.
Other than that, I've no idea.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:OK.. got it.
I do know that the versions are different.
DCU FICO Beacon 5.0
Discover TU FICO 08 Credit Card enhanced.
Other than that, I've no idea.
Thanks. I was sort of wondering if the model DCU was using was lowering my score. I'm gardening and was hoping to have descent scores this time next year.