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Frequent Contributor
Posts: 360
Registered: ‎02-20-2008
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TU98 +- 30 TU04

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. 


Established Contributor
Posts: 828
Registered: ‎12-09-2012
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Re: TU98 +- 30 TU04

My wife's transunion 98 score was 636 and the lender pulled TU04 on the same day was 657. My TU98 was 701, TU04 was 711.  For both of us, our 04 score was higher. 

Frequent Contributor
Posts: 360
Registered: ‎02-20-2008
0

Re: TU98 +- 30 TU04

good feedback, thank you, any others?  I've seen many regulars' feedback through otherposts.  Mainly interested in those who's TU04 score was lower than their TU98.  Just to be safe. 


Moderator
Posts: 9,674
Registered: ‎01-28-2010
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Re: TU98 +- 30 TU04

 

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.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
Posts: 3,302
Registered: ‎06-09-2010
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Re: TU98 +- 30 TU04

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.

Good Luck
May all your dreams and wishes become a reality!
Frequent Contributor
Posts: 360
Registered: ‎02-20-2008
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Re: TU98 +- 30 TU04

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. 


Moderator Emeritus
Posts: 7,970
Registered: ‎12-19-2007
0

Re: TU98 +- 30 TU04

Everyone's situation is different. My TU 04 was consistently 30-40 higher than the TU 98 a few years ago.
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.
Contributor
Posts: 95
Registered: ‎01-14-2013
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Re: TU98 +- 30 TU04

my walmart score came back 642 and my fico says 680???  i don't get it never will!  TU

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current scores: TU 761 Equifax 773Exp 742
Moderator Emeritus
Posts: 7,970
Registered: ‎12-19-2007
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Re: TU98 +- 30 TU04

Different algorithms, different results.
___________________________________________________________________
Do what is true in spite of the consequences--your future is only as true as you are.
Frequent Contributor
Posts: 340
Registered: ‎07-27-2011
0

Re: TU98 +- 30 TU04

My Walmart TU is 652.  

My FICO TU here 654.

 

Both updated less than 6 days ago.


Starting Score: 521 TU, 597 EQ, 574 EX on 6/20/2011
Current Score: 753 TU, 764 EQ, 766 EX on 02/17/2014
Goal Score: 720-740 Across the board


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