EXAMPLE of TU04 TU98 difference

[MarineVietVet]

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@Booner72 wrote:

Oh I love to share my public humiliation !!    Who even cares?  You guys don't know who I am, which is why I simply love this forum.  I know some readers out there are appalled at how awful I let things go.  I know that, okay??  What's important is that this is in the past for-ever.  No more of this.

CK did say my TU score tanked 9 points from the inquiry, even though the JCP is now on there at zero instead of 379.

Interesting.  I know CK isn't worth much, but it was closer to my TU04 than TU98 was.

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The few who feign being appalled are the elitist hypocrites who have conveniently forgotten how bad their credit once was.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Booner72]

Hauling, I think your bathroom scale metaphor is just perfect!  But it doesn't take away from the fact that I love the scale at the gym way more than the scale at the dr. office.

Oh yeah, I'm backing hating CK again - my FICO went UP 5 points today from reduced utility and that included the new inquiry.    It must have just been a simple coincidence that it was closer on that same day as my lender pull. 

[GregB]

My EQ FICO has been unchanged at 701 for over a year. My TU FICO from here has only been checked 3 times during that time but remains 737 each time. During that time my EX Plus has made 14 changes over the range of 726-762 and my CK TransRisk has made 15 changes over the range of 725-743. During the last half of that time my CK Vantage has made 8 changes over the range of 747-788.

CK is a waste of time for scores. It does have some decent data that is worth the price.

[Booner72]

That's a pretty score to be sitting at.  It must be boring though.  When your building you get lots of movement!    (Hopefully all good).

[Anonymous]

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@Booner72 wrote:

Oh yeah, I'm backing hating CK again - my FICO went UP 5 points today from reduced utility and that included the new inquiry.    It must have just been a simple coincidence that it was closer on that same day as my lender pull. 

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Yep!