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EQ 52 points higher than TU...SAME TL's

Established Member

EQ 52 points higher than TU...SAME TL's

I've been waiting for my TU to hit 740 so I can refi the house. It's stuck at 733 but EX is at 785. The reports have identical tradelines (according to myfico). My CC util is <1%  (approx $250) and the only derogs were 6 years ago I had 60 day late my student loans 2 months in a row and 30 day on a consumer loan. I've got 9 open accounts (2 CC, 2 MTG, and 5 Student loans). Is there anything I can do to get this TU up?

 

MY TU was 728 on 5/15 with over $10k of CC debt and util at 50% on one card. 

 

 

Message 1 of 12
11 REPLIES
Moderator Emeritus

Re: EQ 52 points higher than TU...SAME TL's

     The TU you are pulling from here is TU98 and the one your mortgage lender will pull most likely will be a TU04 which in my experience is usually higher.  YMMV as always, but you might already be there.

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 12
Moderator Emeritus

Re: EQ 52 points higher than TU...SAME TL's

Oh, and drop the balance on one of those CCs to $0 and leave the other at less than 9%.  That should give you a bit of a boost.  My sweetspot for my scores is 4%.

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 12
Established Member

Re: EQ 52 points higher than TU...SAME TL's

Thanks, I think I will give it a shot. I had all but one at zero balance, but the sneaky chase folks threw on the $95 annual fee at closing date. Argh!!! The two statements closed on the same date, so no way to fix in time! 

 

But maybe I can adjust before next statement and have refi agency do a rapid rescore if I'm not there yet.

Message 4 of 12
Contributor

Re: EQ 52 points higher than TU...SAME TL's

hey shogun how long did it take you to go from a 504 to an 819...and what your secret? Smiley Happy


IN THE GARDEN TILL 7/1/14!!!
Message 5 of 12
Moderator Emeritus

Re: EQ 52 points higher than TU...SAME TL's


trying_to_B_good wrote:

hey shogun how long did it take you to go from a 504 to an 819...and what your secret? Smiley Happy


     The secret?  A touch of OCD, throwing money at everyone and wanting to improve my situation.  I would make goals and strive to achieve them.  Then it just becomes a challenge, and I love a good challenge.

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 12
Established Member

Re: EQ 52 points higher than TU...SAME TL's

Just app'd for the refi. All three scores were 775-785. Holy cow, 50 point difference on their TU and this TU. Regret paying myfico $16 to see an old score, but as always cavea emptor.

Message 7 of 12
Moderator Emeritus

Re: EQ 52 points higher than TU...SAME TL's

     See, I nailed it!  LOL....  Congrats!

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 12
Established Member

Re: EQ 52 points higher than TU...SAME TL's

Thanks!! Now we just discovered a bogus collection from 3 years ago on wife's account. Contacted the collection agency and they have no record of the collection. Just disputed all three bureau's. Will let you know what turns up.

Message 9 of 12
Frequent Contributor

Re: EQ 52 points higher than TU...SAME TL's

This thread was exactly what I needed. Thanks guys for answering a question that I needed. 

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Message 10 of 12