Moderator
Revelate
Posts: 9,640
Registered: ‎12-30-2011
Re: Mines actually the opposite. My TU08 runs about 40 point...

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 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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