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Transunion low score

Established Contributor

Transunion low score

Just pulled an updated FICO score from here my last scores Equi-795 4/13, transunion 779 4/13.  As of today Im Equi-803, Exp-830, Trans-786. I'm pleased however transunion lists what's hurting my score as too many accounts at 17 (most old closed accounts).  Experian and Equifax dont list anything as derogatory, opinions?

Fico 8 11/8/16
Equifax 836, TransUnion 836 12/30/16 , Experian 842 1/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 1 of 4
3 REPLIES
Established Contributor

Re: Transunion low score

Experian under whats hurting your Fico score states....

"Because your FICO® score is exceptionally high, there are no actionable negative factors present with your score. Continue to manage your credit as you currently are doing to maintain your very high FICO® score."    Transunion states "You have too many credit accounts.

Your FICO score takes into account the number of accounts (such as credit cards or installment loans) on your credit report. You have a large number of accouts.Number of your credit accounts currently paid as agreed 17 accounts."      I know transunion on myFico is an older TU98, and Experian is a very new model but should I take these comments seriously?

 

Fico 8 11/8/16
Equifax 836, TransUnion 836 12/30/16 , Experian 842 1/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 2 of 4
Moderator Emeritus

Re: Transunion low score

Looks like they were just trying to find "something".  Wouldn't worry about it, you're doing great!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 4
Established Contributor

Re: Transunion low score

Thanks! know I'm over analyzing it.

Fico 8 11/8/16
Equifax 836, TransUnion 836 12/30/16 , Experian 842 1/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 4 of 4