Re: How # of cards with balance can effect FICO score
03-25-2012 01:58 AM
On another note, I take it your 823 is TU 04, not TU 98?
Your question deserves a specific answer, but the best I can say is "I think so". I applied to three different lenders, and they *all* reported the identical scores as quoted in my siggy. The names they reported differ a bit, for the 823: "Transunion FICO Classic 2004", "FICO Risk Score Classic 04", and "Trans Union Empirica", and the score ranges also don't match.
There's a similar confusion with the other scores, not just the names but the score ranges. I started a new thread with a more generic title ("What kind of scores are these?") so as not to hijack this one.
Starting Score: EQ 804 - (April 2009)
Upgraded thanks to FICO Forums: EQ 813 / EX 842 / TU 823 - (FICO scores from mortgage lenders, June 2010)
Recent Scores: EQ 807 / TU 799 - (March 2012)
Goal: Survive Another Day
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