Contributor
fairclok
Posts: 79
Registered: ‎10-03-2012
Re: Same Cards Different Utilization on TU and EQ FICO. Confused
Thanks for the informative responses. I will call tomorrow and provide an update. That said I did some research on TU98 vs TU04 and TU08. It seems you guys are correct. TU98 (myfico) DOES include charge card (Amex cards) balances in utilization. The other TU scoring models mentioned above that lenders also use DO NOT include charge card (Amex cards) balances in utilization. I will validate with the call center tomorrow and provide an update.

Starting Score: Sept. 2012 EX FAKO 601; EQ FICO 603; TU FICO 607
Current Score: Feb 2014 EX FICO 749; EQ FICO 744; TU FICO 763
Goal Score: 760 on all 3


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