My TU FICO score is WAY off from my Vantage TU (627 as opposed to 679) and I'm pretty sure by now that I know why: (1) for some reason, my Penfed car loan still hasn't reported to TU even though it was opened nearly two months ago now and I just made my first payment this past weekend - I PM'ed Penfed several days ago asking about this but haven't yet received a response; I'm hoping that it'll finally get on TU tomorrow (it appears on both EQ and EX), and (2) for some reason, a Chase Visa that was included in my 2014 BK and closed shows up properly in FICO as being closed and included in BK, but, to my ongoing mystification, appears in Vantage as "open/derogatory" with a $0 balance, not having been used since 2014 (that part at least is correct), throwing off my utilization and total amount of available credit in Vantage but not in FICO. That card also reports properly on EQ and EX in both FICO and Vantage. I talked about those issues briefly with a TU rep last week when I was fixing a login problem and she advised me to call another department that had all the relevant information, I have that number somewhere in my bag.
It appears to me as if the Penfed issue is on their side, really, not TU's, since TU told me that a lender generally needs to report a new account within 30 days of its being opened. I'm wondering if maybe Penfed counts the elapsed time differently, not from when the loan was approved (as I'd assumed) but from when the payment history starts? As to the weird little thing with the Chase Visa, given that it reports properly on FICO, which is the really important one, and that Vantage, at best, is useful chiefly for educational purposes and getting apartment rentals, I'm not sure if I really need to worry about it after all...
