Established Member
Posts: 12
Registered: ‎08-03-2012

TU98 vs. 04 vs. 08

Hi all. Do most mortgage lenders still use TU04 or are they starting to use the 08 version? Currently my TU98 score is 732. Does the 04 tend to trend higher or lower than the 98 version? Thanks!

Valued Contributor
Posts: 3,302
Registered: ‎06-09-2010

Re: TU98 vs. 04 vs. 08

Majority of the time the 04 version is a little higher.

But there are a few occasions it comes in a little lower.

So it is a YMMV type of thing.

In our office when pulling credit for mortgage its about 75% of the time higher using 04 version.
Good Luck
May all your dreams and wishes become a reality!
New Member
Posts: 5
Registered: ‎03-08-2013

Re: TU98 vs. 04 vs. 08

I'm sorry I'm not familiar with these terms and I'd like to learn.  Where can I learn more?

Frequent Contributor
Posts: 377
Registered: ‎09-16-2012

Re: TU98 vs. 04 vs. 08

Print these out and post them right in front of you. lol.

Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

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