02-12-2013 10:59 AM
Hanging out with a lender that uses TU04 tomorrow.
Has anyone ever seen a score that has been > 30 point difference? I'm sitting at 27 points over 640 and I think that gives me a pretty good cushion.
My EQ is under 640 but Experian is my "cleanest" report.
02-12-2013 01:42 PM
I've seen both situations - it's really hard to speculate. One factor which might trend your TU98 lower would be if you have an AMEX charge card with a balance -- TU98 includes this balance in your revolving utilization, but TU04 does not.
02-12-2013 04:05 PM
I agree cant speculate, but from pulling reports all day every day, its more in your favor to have a boost in your TU04 version.
02-14-2013 11:35 AM
following up on this thread, my TU04 score came out to 650. My TU98 was 675 the day before. I have no amex.
I'm guessing the difference is how collections are treated/scored. Just guessing though.
Not a big deal though since it was still over 640.
02-14-2013 11:45 AM
02-14-2013 11:55 AM
my walmart score came back 642 and my fico says 680??? i don't get it never will! TU
02-14-2013 01:20 PM
02-15-2013 02:34 AM
My Walmart TU is 652.
My FICO TU here 654.
Both updated less than 6 days ago.