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Established Member
Posts: 17
Registered: ‎04-14-2009
0

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. 

 

 

Moderator
Posts: 13,897
Registered: ‎04-15-2011
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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!
Moderator
Posts: 13,897
Registered: ‎04-15-2011
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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!
Established Member
Posts: 17
Registered: ‎04-14-2009
0

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

[ Edited ]

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.

Contributor
Posts: 202
Registered: ‎06-30-2013
0

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!!!
Moderator
Posts: 13,897
Registered: ‎04-15-2011
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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!
Established Member
Posts: 17
Registered: ‎04-14-2009
0

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.

Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

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!
Established Member
Posts: 17
Registered: ‎04-14-2009
0

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.

Frequent Contributor
Posts: 431
Registered: ‎05-23-2013
0

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)
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