myFico Transunion Score

[suebee123]

Just wondering...bought my TU Fico from myFico and it says I have 44% util (balance to high to available credit)...all of my other reports including Equifax myFICO say I have only 6%....what gives?

Is TU calculating closed accounts with balances also, or is it including my AMX charge card...even if it did shouldn't be at 44%.

[Juan123]

out of the three agencies. TU is definitely the slowest. they probably haven't updated yet.

[LS2982]

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@suebee123 wrote:

Just wondering...bought my TU Fico from myFico and it says I have 44% util (balance to high to available credit)...all of my other reports including Equifax myFICO say I have only 6%....what gives?

Is TU calculating closed accounts with balances also, or is it including my AMX charge card...even if it did shouldn't be at 44%.

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What cards are reporting on TU and are they different from EQ?

[Datx]

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@Juan123 wrote:

out of the three agencies. TU is definitely the slowest. they probably haven't updated yet.

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+1. For me, EX updates first, then EQ, then eventually TU.

[llecs]

+1 to card differences, if any.

Also, your TU FICO (TU98) factors in your Amex differently than EQ and EX. TU98 factors in the "high balance"  as a CL for your Amex charge cards and scores the balance. EQ (and EX) ignores the balance and high balance for util purposes. Newer versions of your TU FICO exclude it too.

[suebee123]

no, all the cards reporting with a balance are on all three reports.  I have read that this version of TU98 counts charge cards into the util. even though they are paid in full each month.  My Walmart TU (08) version is much higher by 30 pts. 

[vanillabean]

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@suebee123 wrote:

I have read that this version of TU98 counts charge cards into the util. even though they are paid in full each month.

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I take it the reported monthly balance on the card is near the reported high balance? That could do it.