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How accurate are the Credit Agencies Websites

New Member

How accurate are the Credit Agencies Websites

I just checked Transunion website after getting an alert from this website for Equifax Score increasing. When my lender (trying to get a home loan) pulled my report on May 28th it showed Transunion at a 602 and when I just got on their site it shows a 662.

 

How accurate is that? I mean I have done a few things that would make it come up but didn't expect that huge of a jump. If that is accurate that would be AWESOME!!!!

Karrie
Message 1 of 6
5 REPLIES
Moderator Emeritus

Re: How accurate are the Credit Agencies Websites

TransUnion sells scores, but they aren't FICO scores.

Message 2 of 6
New Member

Re: How accurate are the Credit Agencies Websites

Sorry I am new to this stuff. What do you mean they sell scores?

 

 

Karrie
Message 3 of 6
Established Contributor

Re: How accurate are the Credit Agencies Websites


llecs wrote:

TransUnion sells scores, but they aren't FICO scores.


Correct.  They sell Transrisk scores.  It has a range from 100-900 and obviously different algorithm than FICO.


My Starting Score: EQ: 691 (11/30/11) TU98: 726 (11/30/11)
My Current Score: EQ: 779 (04/22/13) TU08: 835 (06/03/13)
DW Starting Score: EQ: 742 (03/02/12) TU98: 748 (03/02/12)
DW Current Score: EQ: 784 (03/11/13) TU08: 775 (06/03/13)
Message 4 of 6
Established Contributor

Re: How accurate are the Credit Agencies Websites

Karrieu, try this if you haven't already read it:

 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Scoring-101-START-HERE/m-p/8169

 

It might help....one of the best posts on this site, if you ask me.

Message 5 of 6
Highlighted
New Member

Re: How accurate are the Credit Agencies Websites

Thanks I'll take a look at that link.

 

Karrie
Message 6 of 6