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Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012
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myFico TU score up 47pts and nothing has changed?

For kicks, i just pulled myFico trifecta for $60.

 

TU went up 47 pts to 710.  710 is the same score that Walmart and Discover have for me.

 

Nothing has changed on the reports in the past 4 months except for things that would negate my score.  A few more INQ's and 4 new CC accts.

 

I don't see how my TU could go up 47pts for no reason.  Is myFico using the same TU model as Discover and Walmart now?


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

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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HiLine
Posts: 2,870
Registered: ‎10-19-2012
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Re: myFico TU score up 47pts and nothing has changed?

Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012
0

Re: myFico TU score up 47pts and nothing has changed?

Utilization dropped 1%, AAoA has gone down because of 4 new accounts.  Nothing has changed on any of my reports in the last 4 months except a decrease in utilization by 1%, 6 new INQ's, 4 new CC accts and a drop in AAoA.  Those are all negatives for scores except the utilization drop.  Surely doesn't constitute a 47pt increase.

 

 


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

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Regular Contributor
kaylord84
Posts: 157
Registered: ‎08-06-2008
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Re: myFico TU score up 47pts and nothing has changed?

Tu score on myfico is tu08 now same as Wal-Mart. This is the reason for your increase

Starting Score: 475
Current Score: 645
Goal Score: 700


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Established Contributor
IamB2
Posts: 542
Registered: ‎12-05-2013
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Re: myFico TU score up 47pts and nothing has changed?

myFIco upgraded the scoring model used on this site from TU98 to TU08 which is the same as Barclay's, Discover or Walmart FICO versions. It is common for the scores to be different with each version of FICO. That would explain the change.

 

Hope that helps answer your question.

FICO® EQ 691 (8/4/14); TU08 697 (8/4/14); EX: 689 (8/4/14) - Last app 06/06/14; Inquiries in the last 2 yrs TU: 11; EQ: 11; EX: 12




Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - Gardening!*
Frequent Contributor
racer-x
Posts: 376
Registered: ‎09-16-2012
0

Re: myFico TU score up 47pts and nothing has changed?

That's what I was wondering....if myfico was now using the same model as Walmart and Discover, since all 3 have the same TU score for me.

 

Thanks

 

 


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

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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