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Frequent Contributor
NewtoCredit80
Posts: 324
Registered: ‎04-12-2013

Different TU score

I got my Amazon Chase visa yesterday. The card approval document mention that my TU credit score is 690 as of 4/11. It also mentioned the score range between 100 to 990. Now CK shows my TU score at 740. Now I have heard on this forum that original Fico score is between 300 to 850. Now why so much disparity in scores? I have limited credit history of 4 months and 2 cards. Pnc secure being the second.


PNC Secured 2000 (Dec12), Chase Amazon 2000 (Apr13), CapOne Newcomer 2500 (May13), Citi dividend 3000 (May13), Discover IT 1000 (Jul13), Amex BCP 6000 (Jul13), Chase Southwest 10000 (Jul13), Chase Marriott 12000 (Oct 13), BofA Travel Rewards 5000 (Dec13)

- In garden till Dec 2014
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Valued Contributor
myjourney
Posts: 23,641
Registered: ‎02-07-2013

Re: Different TU score


NewtoCredit80 wrote:
I got my Amazon Chase visa yesterday. The card approval document mention that my TU credit score is 690 as of 4/11. It also mentioned the score range between 100 to 990. Now CK shows my TU score at 740. Now I have heard on this forum that original Fico score is between 300 to 850. Now why so much disparity in scores? I have limited credit history of 4 months and 2 cards. Pnc secure being the second.

Pay CK scores no attention and the second one sounds like a vantage score as well probably chase internal 

Congrats on the amazon

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it
Valued Contributor
thom02099
Posts: 1,288
Registered: ‎08-30-2011

Re: Different TU score


NewtoCredit80 wrote:
I got my Amazon Chase visa yesterday. The card approval document mention that my TU credit score is 690 as of 4/11. It also mentioned the score range between 100 to 990. Now CK shows my TU score at 740. Now I have heard on this forum that original Fico score is between 300 to 850. Now why so much disparity in scores? I have limited credit history of 4 months and 2 cards. Pnc secure being the second.


Neither of those scores are FICO.  As you stated, the FICO range is 300 to 850.  When one gets a score from a lender, unless they state that the score is a FICO...it's not.  That 690 score is probably some internal score.  Same with the CK score, it's also not a FICO.  Spring for the $19.95 here to get your TU98 FICO, at least you'll have a bit clearer picture of where you really are. 

AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K / Wells Fargo Platinum Visa $7.5K / Home Depot $9.7K / Lowes $10K

EX = 765 EQ = 743 TU = 825 Mar/2014
Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012

Re: Different TU score

+1, congrats on your new CL.

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Discover: 5k
Citi TY Preferd: 5k
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Frequent Contributor
NewtoCredit80
Posts: 324
Registered: ‎04-12-2013

Re: Different TU score

Well I tried to apply at myfico to get score but it rejected the purchase by saying limited credit history for a score. CS told me to wait another 3 months before buying a score from myfico


PNC Secured 2000 (Dec12), Chase Amazon 2000 (Apr13), CapOne Newcomer 2500 (May13), Citi dividend 3000 (May13), Discover IT 1000 (Jul13), Amex BCP 6000 (Jul13), Chase Southwest 10000 (Jul13), Chase Marriott 12000 (Oct 13), BofA Travel Rewards 5000 (Dec13)

- In garden till Dec 2014
Moderator
Revelate
Posts: 6,851
Registered: ‎12-30-2011

Re: Different TU score


NewtoCredit80 wrote:
Well I tried to apply at myfico to get score but it rejected the purchase by saying limited credit history for a score. CS told me to wait another 3 months before buying a score from myfico

Have to have at least six months reported on any tradeline to generate an actual FICO score.

 

Going to move this thread as well for followup questions.


Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 672, Wally TU 686, EX 702 (04/14)
Goal Score: 700 in all three (01/01/15)


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