Re: Mines actually the opposite. My TU08 runs about 40 point...
03-04-2013 06:03 PM
Wally TU is a legit FICO, and is likely more relevant for credit card approvals than many of the other scores found (though not necessarily, it is Classic rather than bankcard enhanced).
If you need a mortgage though, ignore it. Similarly for auto-loans.
End of the day, it's the data underwriting the report which is key; for the most part, a pretty report will result in a pretty score with a few exceptions like not having an auto loan on record on an otherwise spotless report when getting an auto-enhanced pull.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 670, Wally TU 700, EX 718 (11/29/13, EX 07/11/13)
Goal Score: 680 in all three (01/01/14)
Take the FICO Fitness Challenge