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?
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.
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.
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.