Today I pulled my TU and EQ scores and reports from myfico. My TU score is 690 and EQ is 608. When I shop for credit by score, which score do I use? It is a huge difference and it really threw me off. Thanks for any advice.
Starting Score: EQ 551
Try whogavemecredit.com - you can search by score and bureau. i.e., a good number of credit cards will only look at one of the bureaus and that can help you find which ones. Make sure to look at the dates, though - you'll obviously want the most recent info.
Thank for responses! Do you know where I can purchase an accurate, or close to accurate (what lenders would see) Experian score?
I'm frustrated because I finally have all my negative trades paid off and all my open credit (4 credit cards and a student loan) are all paid on time, yet my scores aren't improving as much as I had hoped. I pay any card balances in full each month and all have zero balances. The student loan is for my daughter and deferred till she graduates in 2015.
I've rented the last four years and really want to purchase a home. I'm beginning to feel like it will be years before my scores are high enough for NJ standards.
I'm frustrated because I finally have all my negative trades paid off and all my open credit (4 credit cards and a student loan) are all paid on time, yet my scores aren't improving as much as I had hoped. I pay any card balances in full each month and all have zero balances. The student loan is for my daughter and deferred till she graduates in 2015.
I've rented the last four years and really want to purchase a home. I'm beginning to feel like it will be years before my scores are high enough for NJ standards.
I bought my report and score from EX yesterday. The score I got was 678. That's not really a reliable score, right? I have a Privacy Matters subscription and that lists my EX score as 552. It's so frustrating that the score difference is more than 100 pts and I have no idea what my score is without a lender pull.