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Let's track TU98, TU04 and TU08 differences

Contributor

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
Message 11 of 25
Established Contributor

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)
Message 12 of 25
Valued Contributor

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

4/24

 

TU98 (myFico) 617

TU04 (Lender) 584

..

 

 

i dont like this....

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 13 of 25
New Member

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!

 

 

Message 14 of 25
Moderator Emeritus

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.

Message 15 of 25
Valued Contributor

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

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

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 16 of 25
Established Contributor

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)

Message 17 of 25
Established Contributor

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?

Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!
Message 18 of 25
Established Contributor

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)
Message 19 of 25
Established Contributor

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

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.

Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!
Message 20 of 25