Frequent Contributor
dookdig
Posts: 332
Registered: ‎04-08-2011
Re: TU98 vs. TU04 and FICO/FAKO

FYI, My TU04 from discover denial letter is 13 points higher than TU98 (747/734)

I believe new version favor more on very low UTI%( less than 7-9%). Utilizing more than 9% will likely result in lower TU04 than TU98.