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Contributor
sqrt
Posts: 85
Registered: ‎03-14-2012
0

Re: Let's track TU98, TU04 and TU08 differences

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

freedom|forward|delta|spg|It|marriott|dividend|ua|aa|csp|typ
Established Contributor
pakman92
Posts: 650
Registered: ‎03-01-2012
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Re: Let's track TU98, TU04 and TU08 differences

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.


 



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
GoodCredBen
Posts: 1,533
Registered: ‎10-25-2011
0

Re: Let's track TU98, TU04 and TU08 differences

4/24

 

TU98 (myFico) 617

TU04 (Lender) 584

..

 

 

i dont like this....

----- IF you find my post helpful, Select the star in the KUDOS button! :smileyhappy:
Starting Score: 512 10/2011 Current Score: EQ: 686 | TU: 689 | EX: 661
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $1750
Gardening Since: 6/1/2014
May the debt elimination begin! 9680/27150
New Member
BARNES40
Posts: 1
Registered: ‎04-17-2012
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Re: Let's track TU98, TU04 and TU08 differences

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!

 

 

Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009
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Re: Let's track TU98, TU04 and TU08 differences


BARNES40 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!

 

 


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.

Valued Contributor
GoodCredBen
Posts: 1,533
Registered: ‎10-25-2011
0

Re: Let's track TU98, TU04 and TU08 differences

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

----- IF you find my post helpful, Select the star in the KUDOS button! :smileyhappy:
Starting Score: 512 10/2011 Current Score: EQ: 686 | TU: 689 | EX: 661
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $1750
Gardening Since: 6/1/2014
May the debt elimination begin! 9680/27150
Established Contributor
thankfulheart
Posts: 619
Registered: ‎09-26-2011
0

Re: Let's track TU98, TU04 and TU08 differences


BadCredBen wrote:

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


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.

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Established Contributor
ztnjpv
Posts: 726
Registered: ‎02-01-2012
0

Re: Let's track TU98, TU04 and TU08 differences

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?


Starting Scores (Sept 2011): All lower-mid 600s. CURRENTLY: TU FICO: 801 (3/28/14), EQ FICO 808 (3/28/14), EX FICO 798 (9/4/13) (PSECU). Goal: Achieved! Now Maintain!
Established Contributor
pakman92
Posts: 650
Registered: ‎03-01-2012
0

Re: Let's track TU98, TU04 and TU08 differences


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?


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


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
ztnjpv
Posts: 726
Registered: ‎02-01-2012
0

Re: Let's track TU98, TU04 and TU08 differences

[ Edited ]

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.


Starting Scores (Sept 2011): All lower-mid 600s. CURRENTLY: TU FICO: 801 (3/28/14), EQ FICO 808 (3/28/14), EX FICO 798 (9/4/13) (PSECU). Goal: Achieved! Now Maintain!

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