When I started my credit repair last year, my score was in the mid 500's. Today my Transunion is a 679, but my FICO transunion is a 638.  41 point difference.  So is that your transunion or your FICO transunion?  They vary greatly!  If that is your FICO transunion that is a good score, but if it is just your transunion, then your FICO score is probably lower.

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Starting Score: 517
Current Score: 638
Goal Score: 700

Take the FICO Fitness Challenge

Have you checked you FICO score on THIS website?  It is probably a little lower but don't be discouraged!  YOu are on your way!!!!  I am working SUPER hard to pick up another 25 points in the next 45 days! ACK!  LOL

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Starting Score: 517
Current Score: 638
Goal Score: 700

Take the FICO Fitness Challenge

I checked it on here in the beginning and it was very close.   I am going to try to get more points too.  I am stuck with the 4 collections till I can afford the PFD.  Once I get the money for that it should be okay.  Right now I am paying down credit card and each month I make an ontime payment on my car it seems the points go up like 4 points.  Plus I have some inquiries coming offf.  I got 65 points this month on TU, almost 50 on Experian and 15 on equifax.  They hate me tho.


What are your plans to raise your score?

Is the score on here always different thatn what TU offers?

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Starting Score: August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 638 (CS) 06/06/2013
Goal Score: 720 All Across
Take the FICO Fitness Challenge

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LoveGoodCredit wrote:

I checked it on here in the beginning and it was very close.   I am going to try to get more points too.  I am stuck with the 4 collections till I can afford the PFD.  Once I get the money for that it should be okay.  Right now I am paying down credit card and each month I make an ontime payment on my car it seems the points go up like 4 points.  Plus I have some inquiries coming offf.  I got 65 points this month on TU, almost 50 on Experian and 15 on equifax.  They hate me tho.


What are your plans to raise your score?

Is the score on here always different thatn what TU offers?

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That's awesome!!!!   Don't worry about EX, they hate me too.  Keep cleaning those CRs!

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Thanks Shogun.  Until the new year it is maintenance.  Just wondering how my forclosure was updated to reflect all ONTIME payments.  Weird.  :/

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Starting Score: August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 638 (CS) 06/06/2013
Goal Score: 720 All Across
Take the FICO Fitness Challenge

Should there be a difference between the FICO TU score viewed here and the TU score viewed through Walmart's site?  I believe they are both FICO scores. 

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masscredit wrote:

Should there be a difference between the FICO TU score viewed here and the TU score viewed through Walmart's site?  I believe they are both FICO scores. 

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Yes, they are both FICOS but they are different FICOs.  Different scoring models.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

What are the models and which is more relevant?

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013

2013 Goals: New Car 700 Club AMEX Member

AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800