How accurate is TU scoring from here?

[jwills1218]

I pulled my Eq a little over a month ago when I first found out about this website and it was 610. It has since moved to 614. I decided the pull my TU score and it was much higher. From what I've read the TU score is considered fairly accurate, but using a different scoring model. Is it normal to have a 40+ point difference between the two CBA's? All the info was the same from report to report.

Tks

[apandabear]

Yes, they each have their own scoring model. Which means they calculate scores differently. Totally normal.

[llecs]

40 is a bit high. It's true the EQ FICO on here is a different formula than the TU FICO on here. IME, EQ favored util more than TU and TU penalized on baddies more than EQ. YMMV of course. But I would look at both reports. Even small differences like one TL reporting on one vs. the other can throw it all off. Look at specific reporting of each TL. Make sure all accounts match. And check balances too since TU is typically slower than EQ in updating.

[jwills1218]

I didn't look at the TU report as carefully as I should have!

Eq: Negative

Wfnnb

Merrick Bank

Paypal

Barclays

Citizens

Wffnb - Room Store

Balances/CL: (Shows exactly the same as TU)

Amex:$4172/$4200

Amex:$1008/$1000

MB: $941/$950

BestBuy:$1924/$2500

Cap1: $467/$500

TU Negative:

WFNNB- Room Store acct (2008) *Same as equifax*

Citibank (student Loan Dec 2005) *Not on equifax*

Paypal (30 day late 2008) *Same as eq*

Citizens (30,60 late, redeemed repo) *Same as eq*

Barclays shows as no lates

Other WFNNB as no lates

Merrick Bank no lates

That's clearly what is helping my score! I have 1 negative on TU that doesn't show on EQ but I have 3 negs on EQ that don't show on TU!

I'm hopeful this month i see an increase. My balances now look like this:

Amex: $4150/$4200

Amex: $775/$1000

MB: $0/$950

Cap1: $0/$500

BestBuy: $1900/$2500

[atarvuzdar]

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@jwills1218 wrote:

I didn't look at the TU report as carefully as I should have!

Eq: Negative

Wfnnb

Merrick Bank

Paypal

Barclays

Citizens

Wffnb - Room Store

Balances/CL: (Shows exactly the same as TU)

Amex:$4172/$4200

Amex:$1008/$1000

MB: $941/$950

BestBuy:$1924/$2500

Cap1: $467/$500

TU Negative:

WFNNB- Room Store acct (2008) *Same as equifax*

Citibank (student Loan Dec 2005) *Not on equifax*

Paypal (30 day late 2008) *Same as eq*

Citizens (30,60 late, redeemed repo) *Same as eq*

Barclays shows as no lates

Other WFNNB as no lates

Merrick Bank no lates

That's clearly what is helping my score! I have 1 negative on TU that doesn't show on EQ but I have 3 negs on EQ that don't show on TU!

I'm hopeful this month i see an increase. My balances now look like this:

Amex: $4150/$4200

Amex: $775/$1000

MB: $0/$950

Cap1: $0/$500

BestBuy: $1900/$2500

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You've definitely put a dent in your util, congratulations! I wouldn't be surprised if you saw a bump in your score since you dropped your util from basically maxed out to around 75% util, and you've also now got two accounts with $0 balance which also factors into your score. Keep plugging away at those balances, you may just find some pretty good score increases when you get below 30% and then again below 20% and, finally, below 10% overall. Of course, the myFICO mantra of YMMV is always at play, so keep that in mind.