Transunion Fico 8 vs Transunion score directly from TransUnion?

[Thomas_Thumb]

Now that you mention it, I do recall paying for my TU report/score. Unfortunately the TU VS 2.0 score is misleading. The VS 3.0 model has the same score range as Fico 4 but still scores differently than Fico.

Might want to wait until December (after BK drops off) before purchasing another report/score.  

I would recommend purchasing the EQ Score Power + associated credit report ($19.95 as I recall) next time around as I know it gives you Fico 4 which is the score used by the mortgage industry. (Note EQ offers an alternate report with their own scoring version ($15.95 as I recall) - be careful not to select that option.

If you want to see true FICO scores from all three CRAs, purchase the 3B option on myFICO ($59.95). 

Hope this helps.

[Anonymous]

Thanks for the info, I ordered and now have the myfico 3b monthly score monitoring service now. I am greatful for so much knowledge here on the boards. thanks again for yr assistance!

[Thomas_Thumb]

yjc45,

I think that Fico monitoring is a better option for you.

Please note that the monthly monitoring is Fico 8 which is somewhat different than Fico 4 used for mortgages. With the monitoring service I believe you are entitled to a once a year 3B report - the report includes the Fico mortgage scores and Auto and Bankcard versions as well. 

[alisadarrick]

My transunion report does indicate that it's a Vantage score

[Thomas_Thumb]

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@Revelate wrote:

I thought they were Vantage 3.0 now TT, but you're right they ain't FICO.

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Went ahead and purchased a 3B score and report late October from TU to check what model they are using and to get Auto and Home insurance risk scores from TU to compare against LexisNexis.

Revelate, you are correct TU VantageScores are now VS 3.0. Conversion must have been sometime in the July - September timeframe. I was behind the times.