creditnocash wrote:
Autumnslight wrote:Up to 750. That just seems unbelievable. My TU score is SO much higher than EQ EX, it's insane!
although it may be true. remember that the walmart score is a tu08 while the ficos here are tu98
my tu08 score like stated above says 743 but here last time it was around 690. eq is steady as well.
all my reports are essentialy the same except for inq's. all have same accounts all same age.
The EQ FICO here is an EQ04, not an EQ98. However, the TU score from here IS a TU98.
Starting Score: 693 TU FICO, 679 EQ FICO 
crunching_numbers wrote:
creditnocash wrote:
Autumnslight wrote:Up to 750. That just seems unbelievable. My TU score is SO much higher than EQ EX, it's insane!
although it may be true. remember that the walmart score is a tu08 while the ficos here are tu98
my tu08 score like stated above says 743 but here last time it was around 690. eq is steady as well.
all my reports are essentialy the same except for inq's. all have same accounts all same age.
The EQ FICO here is an EQ04, not an EQ98. However, the TU score from here IS a TU98.
also good to note TU08 is more consumer friendly. isolated instances like 30 day late payment affect your credit reports less, charge off under $100 does not factor into your scores, authorized users have a lessened affect etc.
distantarray wrote:
crunching_numbers wrote:
creditnocash wrote:
Autumnslight wrote:Up to 750. That just seems unbelievable. My TU score is SO much higher than EQ EX, it's insane!
although it may be true. remember that the walmart score is a tu08 while the ficos here are tu98
my tu08 score like stated above says 743 but here last time it was around 690. eq is steady as well.
all my reports are essentialy the same except for inq's. all have same accounts all same age.
The EQ FICO here is an EQ04, not an EQ98. However, the TU score from here IS a TU98.
also good to note TU08 is more consumer friendly. isolated instances like 30 day late payment affect your credit reports less, charge off under $100 does not factor into your scores, authorized users have a lessened affect etc.
i have no baddies just low aaoa. (9/10 months currently) becuase of alot of new accounts.
so guess tu08 sees that less of a risk? cant wait to see what my scores will be like in aug of '13
yeah I know...it seems they would report the debt every other month, until I got it fixed. I had no idea this was going on until the myfico family hipped me to the free walmart TU reports. Boy was I glad I applied for the card. 
Protecting your credit is a beast and my new obsession.
SportBike4Life wrote:
Errin1 wrote:Mine's is down one point
love the yoyo months....stupid alma mater kept reporting a debt I never owed....after leaving that place over 20 years ago.
that's an interesting graph
