Let's track TU98, TU04 and TU08 differences

[sqrt]

Great things to know...I don't have a walmart card...any idea how to get TU08 in other places?

[pakman92]

Found on another thread: 

MissImMe TU98: 662   TU04: 648

Juss11 TU98 is a 690  TU08: 658

visorboy1974 TU98 727  TU04 741  TU08 678

Just keeping in one thread so I can compile the data easier.  Mods, let me know if this is not a good practice.

[GoodCredBen]

4/24

TU98 (myFico) 617

TU04 (Lender) 584

..

i dont like this....

[Anonymous]

I've been just reading and learning on these boards in preparation to buy a new house after recovering from a Ch. 7 BK almost exactly 24 months ago.  Today I pulled my TU98 and EQ on my fico.  Since I was dying to know my EXP score, I pulled it on Quizzle.  Here are the differences all pulled on the exact same day:

TU98: 641  Lender TU04: 648

EQ: 634   Lender EQ: 634

Quizzle EXP: 685  Lender EXP:625

All of that made my median score 634.  Typical FHA guidelines required a 640 median, but since I'm a teacher in Texas, I'm using a TSAHC program, and the requirement is only 620!  So I made it! 

Anyway, I thought the differences were interesting.  I had been more scared of the TU04 difference than the EXP difference.  Boy, was I wrong!

[MarineVietVet]

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@Anonymous wrote:

I've been just reading and learning on these boards in preparation to buy a new house after recovering from a Ch. 7 BK almost exactly 24 months ago.  Today I pulled my TU98 and EQ on my fico.  Since I was dying to know my EXP score, I pulled it on Quizzle.  Here are the differences all pulled on the exact same day:

TU98: 641  Lender TU04: 648

EQ: 634   Lender EQ: 634

Quizzle EXP: 685  Lender EXP:625

All of that made my median score 634.  Typical FHA guidelines required a 640 median, but since I'm a teacher in Texas, I'm using a TSAHC program, and the requirement is only 620!  So I made it! 

Anyway, I thought the differences were interesting.  I had been more scared of the TU04 difference than the EXP difference.  Boy, was I wrong!

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Hello and welcome.

The scores at Quizzle are not FICO scores. The FAKO (what we call non-FICO) score offered there is called a “CE Score” and developed by CE Analytics. No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only.

[GoodCredBen]

how is my TU98 and TU04 so different? this is crazy... 

[thankfulheart]

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@BadCredBen wrote:

how is my TU98 and TU04 so different? this is crazy... 

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Different calculations.  From what I've gleaned, TU04 weights recent things more heavily than well past baddies, not sure the "it doesn't matter as much after 12 months" rule applies anymore.  I also believe they weight overall quantity of lates more stringently.  There is also a change in how charge accounts (AMEX) are calculated, but that doesn't impact me at all, so I can't really speak to that.  The only comparison I have is from last September, TU04 from the lender was 586, TU98 from here was 593. Since then, I've gotten a bunch of junk off, but I'm not pulling the mortgage app trigger until June when I'll be able to derive another comparison.

[ztnjpv]

I just don't see why MyFico doesn't give us the Lender version since it's the one that matters most. Kinda silly to make us pay $20 per report and not give us the one that lenders see.

Why withhold it?

[pakman92]

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@ztnjpv wrote:

I just don't see why MyFico doesn't give us the Lender version since it's the one that matters most. Kinda silly to make us pay $20 per report and not give us the one that lenders see.

Why withhold it?

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I'm guessing but it's not MyFico that is not willing to.  It's probably TransUnion.

[ztnjpv]

So it might be TU that doesn't want it to be given out? 

OK. I know it's a guess on your part but if it's true, WHY? What does TU gain by not showing consumers the real score that lenders see? I see no benefit.