Hi bekka, Don't you love being pleasantly surprised? :...
Don't you love being pleasantly surprised? : )
Please do keep in mind that there are so many variables in comparing the scores from the 3 CRAs that you'd have to know exactly what is on the other reports and they would all have to have identical information before comparing would be any kind of realistic indicator.
Just to throw another variable in as an example, my TU is mid score on FICO and is also mid score using TrueCredit. TrueCredit can't really be considered an indication of the score lenders will view, but you CAN still use it to track the progress of your credit by providing indication of increase or decrease in points.
Message Edited by SoulSmilen on 03-30-200708:52 PM
Soul got it right. If you are using FICO score for all t...
Soul got it right. If you are using FICO score for all three there are other factors that need to be taken into consideration. Do all three reports contain the exact same info (reporting dates, balance, number of months reveiwed, inquries, etc..)? Having more accounts or any particular bureau can be positive or negative. MY Equifax hstory is ten years longer than any of the other two because some of my earlier credtors only reported to Equifax.
If you are trying to compare FICO to a score you're getting from Transunion or Experian, its like comparng applesto oranges. The other two bureaus use scoring systems on a 950 point scale where FICO uses an 850 point scale.