On August 30, I pulled a trimerge report and my TU score was a 552. Well, I am taking advantage of their 7-day free trial and I signed up. It is telling me my TU score is 623? Is this even possible? Not that I am hating on it but that is one hell of a jump.
Additonally, on TU, the length of my credit history is 18 years and some change while the average age is 4 years and some change.
I believe those are Fakos. The rule of Fakos is they are +/- 200 points of your actual FICO.
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.
you crushed me.
/hides
The scores are both FAKOs but what you can use those reports for is to determine what negative factors are on each of the three reports so you can work at getting them removed or changed into positive tradelines--then your true FICO score (whatever it may be!) would benefit from the work you've done. 