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Established Contributor
Posts: 650
Registered: ‎03-01-2012
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Let's track TU98, TU04 and TU08 differences

Hello, 

 

I'd would like to propose an experiment that I'll keep track and publish the results.  I'd like to see how people's TU98 (myFico), TU04 (lender pulled)  and TU08 (Walmart) scores correlate.

 

If you can respond to this thread by posting your TU scores from multiple sources within (let's say a week), I'll compile the data.

 

I'll start with my own case.

 

TU08 (Walmart) 813 on 3/29/2012, TU98 (myFico) 772 3/30/2012.

 

Please help by posting your scores..  ONLY if you have 2 or more of the three variants within a week.

 

Hopefully, over time and with enough data points, we can have a better understanding of the correlation.

 

 


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)
Contributor
Posts: 185
Registered: ‎03-05-2012
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Re: Let's track TU98, TU04 and TU08 differences

on 04/01 TU 98 542, TU04 617, TU08 652

EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
New Contributor
Posts: 57
Registered: ‎02-22-2012
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Re: Let's track TU98, TU04 and TU08 differences

[ Edited ]

I have never received a score for TU08.

 

My Scores: 4/4/12

TU04 Lender Pull – 632

TU98 My Fico – 707

 

Husband’s Scores: 2/7/12

TU04 Lender Pull – 647

TU98 My Fico – 676

Established Contributor
Posts: 650
Registered: ‎03-01-2012
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Re: Let's track TU98, TU04 and TU08 differences


Misshopeful72 wrote:

on 04/01 TU 98 542, TU04 617, TU08 652


Wow, that is all over the place.


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)
Regular Contributor
Posts: 118
Registered: ‎01-04-2012
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Re: Let's track TU98, TU04 and TU08 differences

On 2/16 ( last time I got a TU04 )

 

704 - TU 04

667 - TU 98

Established Contributor
Posts: 650
Registered: ‎03-01-2012
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Re: Let's track TU98, TU04 and TU08 differences

ok another 100 more posts and hopefully we'll have something to chart.


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)
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
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Re: Let's track TU98, TU04 and TU08 differences

Not going to be consistent.  TU98 includes charge card balances in utilization calculations (Amex zync/green/gold/plat/cent).  The rest of them don't.

               LIMITS IN CARD DESCRIPTIONS
Moderator Emeritus
Posts: 10,906
Registered: ‎12-30-2011
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Re: Let's track TU98, TU04 and TU08 differences

[ Edited ]

Unfortunately it doesn't mean much w/o the detail of the credit reports =/.

 

i.e. I believe FICO '08 (TU08) will disregard one nuisance collection (<$100); if there's the one collection on the reports of the trivial amount (old library collection or parking ticket silliness), that would explain a discrepancy; however, if there's still a difference and nothing that falls into that category, than it is going to be something else.

 

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Established Contributor
Posts: 650
Registered: ‎03-01-2012
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Re: Let's track TU98, TU04 and TU08 differences

Crashem and Ravelate are right on both points.  However, think with enough data points, there might be something we can learn about how the differnt Tu versions correlate in large aggregate.  If nothing else, it can prove that they don't correlate enough to be practical in predicting one another.


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)
Established Contributor
Posts: 1,008
Registered: ‎01-22-2008
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Re: Let's track TU98, TU04 and TU08 differences

[ Edited ]

I think the other problem with the reliability of the data will be the reports not being pulled on the same exact days, we know reports can change daily and that might skew the data as well.  But I'm game.

 

Me

4/2 TU 08 = 708

4/5 TU 98 = 695

 

DH

4/2 TU 08 = 708

4/5 TU 98 = 688

 

ETA:  I think I saw a post in the Mortgage forums where people were posting their different scores too. 


Starting Score: TU? EQ 585 EX? (12/06) (CH 7 bk 11/04)
Current Score: (5/12) TU 699 (myFICO) TU 709 (WalMart) EQ 690 EX 686 (CC denial 7/11)
Goal Score: 720 Across the Board by Mid 2012
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