EQ 801 as of 10/28/08. Never checked before, and will be checking the others throughout the next year.
eldsel
Firemom, to make a long story short, and not to jack this thread, I will say just two things about it briefly.
firemom wrote:
I am new posting here...
TU 770
EQ 806
EX 835
Can anyone give me insights on why there is so much variance between companies? With these scores, I am assuming I don't have to worry about it, but curious.
Thanks!
1--Each Credit Reporting Agency (CRA) has its own algorithm that they use, so even if you had everything reporting exactly the same on each report, your scores will still likely differ a little bit.
2--I alluded to it in #1. Not everything is reported with the exact same information on all three of your reports.
HTH
Starting Score: 469
Your Equifax FICO® score: 813
Payment history
Amount of debt
Length of credit history
Amount of new credit
FICO® score ingredients How you rate
Payment historyYour history of paying bills on time.
Amount of debtYour total amount of outstanding debt.
Length of credit historyHow long you've had credit.
Amount of new creditAmount of credit you've recently obtained or applied for.
Fair Credit Reporting Act: Summary of your rights
Your Experian FICO® score: 812
On October 4, 2008
Your Experian FICO® score is great
Your score is well above the average score of U.S. consumers and clearly demonstrates to lenders that you are an exceptional borrower.
- FICO® Scores range between 300 and 850®
- Higher scores are better scores
- The higher your score, the more favorably lenders look upon you as a credit risk
Fair Credit Reporting Act: Summary of your rights
Your TransUnion FICO® score: 807
On October 4, 2008
Your TransUnion FICO® score is great
Your score is well above the average score of U.S. consumers and clearly demonstrates to lenders that you are an exceptional borrower.
- FICO® Scores range between 300 and 850®
- Higher scores are better scores
- The higher your score, the more favorably lenders look upon you as a credit risk
Your TransUnion FICO® score is based on the information in your TransUnion credit report. Below are factors in your credit report that are hurting or helping your score:
FICO® score ingredients How you rate Payment historyYour history of paying bills on time.
Amount of debtYour total amount of outstanding debt.
Length of credit historyHow long you've had credit.
Amount of new creditAmount of credit you've recently obtained or applied for.
Fair Credit Reporting Act: Summary of your rights