Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: Ok, so, advise please, ;)

Ignore EX of course. I'd also ignore the TU FICO as well. You are comparing a likely TU04 with Wal-Mart's TU08. Now a drop is likely but not 60, unless something else happened on TU. Finally, the EQ versions matched and is an accurate comparison. 8 points isn't that bad. You'll see most of the points starting to reappear around 3-4 months from the open date with most re-appearing by 6 months, and even more by a year provided you don't app for anything else.