TU98 +- 30 TU04

[golo]

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.

[Junejer]

Everyone's mix is different and thus the results will be different. As always, YMMV.

[soILseminole]

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

[purbutterfly77]

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!!!!

[dodgerslv]

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.

[golo]

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

[pizzadude]

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@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.

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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.

[dodgerslv]

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@pizzadude wrote:

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@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.

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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.

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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.

[mmmlive1999]

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 real

[purbutterfly77]

Sorry golo...I just saw your question.

I'm in Indiana.