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Frequent Contributor
blunderer
Posts: 377
Registered: ‎01-09-2013
0

Difference in Credit Scores

Greetings All!!

 

I'm curious to understand why on the same day that a mortgage lender pulled my credit report, there was a 40+ point difference in my TransUnion score than the one I pulled here.  Thankfully the lenders score was higher than what I pulled here for TransUnion. I did pull it the same day because I wanted to be prepared for any questions regarding my credit file.  After going over the reports the only difference is the lender's report shows one of my credit accounts as a charge off (it's not it was a lost/stolen card that was replaced) and still that credit score was higher than the one I pulled here.

 

Would very much appreciate any feedback that can be provided to help me understand the huge difference in scores. 

 

NOTE:  Sorry if I've posted this on the wrong board; please move if necessary.

Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Difference in Credit Scores

The version your lender pulled was likely TU04, the one from here is TU98,  There will most always be a difference between the two.  I have seen it go either way both up or down from what is here.

 

Different models/versions, different scoring criteria, different scores.

Frequent Contributor
Kratos-TM
Posts: 429
Registered: ‎05-23-2013
0

Re: Difference in Credit Scores

I hope it goes up for me. :smileyhappy: I need TU to be my highest.....on here it's my lowest. (But it has the "best" report of the 3).

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Frequent Contributor
blunderer
Posts: 377
Registered: ‎01-09-2013
0

Re: Difference in Credit Scores

guiness - thanks!

 

See why I thought you were a mod long before you were "officially" a mod. :smileywink:

 

 

Frequent Contributor
blunderer
Posts: 377
Registered: ‎01-09-2013
0

Re: Difference in Credit Scores

jarroldharrell1 - Hoping your TU score goes up as high as you need and then some :smileyhappy:

Super Contributor
mongstradamus
Posts: 7,392
Registered: ‎06-19-2013
0

Re: Difference in Credit Scores

From my personal experience the TU98 one that you get here takes AU into account an little bit more. I also have huge discrepncy between my TU scores. I also noticed some of my cc aren't getting reported to TU , which also may effect my TU scores.


EX Fico 782 9/25/14 Fako 801 CS/Credit.com 11/24/14
EQ SW 823 quizzle fako 796 7/19/14
TU Fico 808 Fako 787 Creditkarma 11/24/2014
Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Difference in Credit Scores


blunderer wrote:

guiness - thanks!

 

See why I thought you were a mod long before you were "officially" a mod. :smileywink:

 

 


Lol, thanks!


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