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TU98 +- 30 TU04

Frequent Contributor

Re: TU98 +- 30 TU04

I don't mean to rain in your parade, but for me my TU98 from myfico was 666 and lender pulled 574, wallyworld was 631, needless to say i almost pass out at LO office. Just my 2 cents, good luck and keep us informed.

Message 11 of 25
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Moderator Emeritus

Re: TU98 +- 30 TU04

Everyone's mix is different and thus the results will be different. As always, YMMV.
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.
Message 12 of 25
Contributor

Re: TU98 +- 30 TU04

my score ranges from 640-724 from walmart08 to myfico98. not sure what my 04 score is but i assume somewhere in the middle. No idea why the large descrepancy between the two but its definately YMMV

Current: |MyFico TU-766| |MyFico EQ-737| |Amex EX-736| (May '13)
Message 13 of 25
Valued Member

Re: TU98 +- 30 TU04

Myfico Transunion score was 646 when I applied for my loan. I approached two lenders. The first one pulled right away and came back with a 636 so 10 points less. Wells Fargo was delayed a few days, which allowed myfico score to climb to 656 due to an account aging to 2 years old, nope they came back with a 637, 19 points difference.

 

so frustrating to be denied for 3 points!!!!

 

Message 14 of 25
Valued Contributor

Re: TU98 +- 30 TU04

For me there is a big gap between my TU98 and TU08 scores....TU98 has me at 649 while TU08 is 711, when i recieved my Discover card back in August, the letter stated that my TU score was 687 and at time my TU98 was 630 and my TU08 was 670 so i think my TU04 score is closer to my TU08 score than TU98.

gardening since 5/21/2016
Message 15 of 25
Frequent Contributor

Re: TU98 +- 30 TU04

Putbutterfly, may I know which state are you located? I'm in md and my understanding was that the threshold was 620.
Message 16 of 25
Super Contributor

Re: TU98 +- 30 TU04


dodgerslv wrote:

For me there is a big gap between my TU98 and TU08 scores....TU98 has me at 649 while TU08 is 711, when i recieved my Discover card back in August, the letter stated that my TU score was 687 and at time my TU98 was 630 and my TU08 was 670 so i think my TU04 score is closer to my TU08 score than TU98.


In addition to the different scoring models ( 04, 98, 08 ) there is a likelihood that your CC lenders may have provided you with bankcard enhanced scores, which are different than the classic scores used by many mortgage lenders.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 17 of 25
Valued Contributor

Re: TU98 +- 30 TU04


pizzadude wrote:

dodgerslv wrote:

For me there is a big gap between my TU98 and TU08 scores....TU98 has me at 649 while TU08 is 711, when i recieved my Discover card back in August, the letter stated that my TU score was 687 and at time my TU98 was 630 and my TU08 was 670 so i think my TU04 score is closer to my TU08 score than TU98.


In addition to the different scoring models ( 04, 98, 08 ) there is a likelihood that your CC lenders may have provided you with bankcard enhanced scores, which are different than the classic scores used by many mortgage lenders.


Very true...I forgot about the bankcard enhanced score (maybe Discover uses that for appovals). My bankcard enhanced TU Fico score according to Merrick Bank is 714 at the moment. but then according to them my score back in August/Sept was around 670. Oh well, thats why they say there are various Fico scoring models.

gardening since 5/21/2016
Message 18 of 25
Frequent Contributor

Re: TU98 +- 30 TU04

Pulls from the same day 2/11/13

 

All of mine are about 60pts diff from any lender.

 

My Fico TU 670

Walmart TU 605

 

My Fico EQ 671

Discover EQ 610

 

Experian Fako 669

Amex Experian 610

 

 I gave up .....who knows what is realSmiley Frustrated


Starting Score: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 774, EQ5.0 761/ EXv2 783
New goal 800
Cap1 QS $17k, Chase Southwest- $15k, Discover IT - $40k
Message 19 of 25
Valued Member

Re: TU98 +- 30 TU04

Sorry golo...I just saw your question.

 

I'm in Indiana.

Message 20 of 25