Reply
Frequent Contributor
LoveGoodCredit
Posts: 342
Registered: ‎07-06-2012

Is Transunion 644 a good credit score?

It was way lower than that when I started the credit repair.  Is this an OKAY credit score?  I have been working on my credit since July... :smileysad:



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Established Member
martha75
Posts: 33
Registered: ‎07-30-2012

Re: Is Transunion 644 a good credit score?

When I started my credit repair last year, my score was in the mid 500's. Today my Transunion is a 679, but my FICO transunion is a 638.  41 point difference.  So is that your transunion or your FICO transunion?  They vary greatly!  If that is your FICO transunion that is a good score, but if it is just your transunion, then your FICO score is probably lower.


Starting Score: 517
Current Score: 638
Goal Score: 700


Take the FICO Fitness Challenge
Frequent Contributor
LoveGoodCredit
Posts: 342
Registered: ‎07-06-2012

Re: Is Transunion 644 a good credit score?

Hello :-D. That acore is directly from them.


Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Established Member
martha75
Posts: 33
Registered: ‎07-30-2012

Re: Is Transunion 644 a good credit score?

Have you checked you FICO score on THIS website?  It is probably a little lower but don't be discouraged!  YOu are on your way!!!!  I am working SUPER hard to pick up another 25 points in the next 45 days! ACK!  LOL


Starting Score: 517
Current Score: 638
Goal Score: 700


Take the FICO Fitness Challenge
Frequent Contributor
LoveGoodCredit
Posts: 342
Registered: ‎07-06-2012

Re: Is Transunion 644 a good credit score?

I checked it on here in the beginning and it was very close.   I am going to try to get more points too.  I am stuck with the 4 collections till I can afford the PFD.  Once I get the money for that it should be okay.  Right now I am paying down credit card and each month I make an ontime payment on my car it seems the points go up like 4 points.  Plus I have some inquiries coming offf.  I got 65 points this month on TU, almost 50 on Experian and 15 on equifax.  They hate me tho.


What are your plans to raise your score?


Is the score on here always different thatn what TU offers?



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

Re: Is Transunion 644 a good credit score?


LoveGoodCredit wrote:

I checked it on here in the beginning and it was very close.   I am going to try to get more points too.  I am stuck with the 4 collections till I can afford the PFD.  Once I get the money for that it should be okay.  Right now I am paying down credit card and each month I make an ontime payment on my car it seems the points go up like 4 points.  Plus I have some inquiries coming offf.  I got 65 points this month on TU, almost 50 on Experian and 15 on equifax.  They hate me tho.


What are your plans to raise your score?


Is the score on here always different thatn what TU offers?


That's awesome!!!!   Don't worry about EX, they hate me too.  Keep cleaning those CRs!


Starting Score: 504

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!
Frequent Contributor
LoveGoodCredit
Posts: 342
Registered: ‎07-06-2012

Re: Is Transunion 644 a good credit score?

Thanks Shogun.  Until the new year it is maintenance.  Just wondering how my forclosure was updated to reflect all ONTIME payments.  Weird.  :/



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Established Contributor
masscredit
Posts: 682
Registered: ‎07-17-2012

Re: Is Transunion 644 a good credit score?

Should there be a difference between the FICO TU score viewed here and the TU score viewed through Walmart's site?  I believe they are both FICO scores. 


|****$6000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$750******|*****$700*****|
EX - 651 (MyFico 06/05/14) TU - 656 (Barclay 07/07/14 ) EQ 04 - 699 (DCU -06/26/14) EQ 08 - 683 (MyFico -06/06/14) 1% Utilization
Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

Re: Is Transunion 644 a good credit score?


masscredit wrote:

Should there be a difference between the FICO TU score viewed here and the TU score viewed through Walmart's site?  I believe they are both FICO scores. 


Yes, they are both FICOS but they are different FICOs.  Different scoring models.


Starting Score: 504

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!
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: Is Transunion 644 a good credit score?

What are the models and which is more relevant?

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+