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?

Established Contributor
Posts: 1,006
Registered: ‎09-16-2012

Re: TU98 vs. 04 vs. 08

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

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.