https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Quarterly-Montering-Transunion-Score-through-myFico-vs-Lender/m-p/2558501#M75250 <P>American express pulled my Transunion score on 10/29/13 and it was 672. On the same day I pulled my Quarterly Montering Transunion Score through myFico, it was a 582. All of the information regarding acoounts is the same on both reports. The only thing I noticed was that a CA on the my Fico report was listed in the accounts section not the collections section. Why such a big difference if myFico is really pulling from Transunion?</P> Sat, 02 Nov 2013 18:45:21 GMT omoa 2013-11-02T18:45:21Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Quarterly-Montering-Transunion-Score-through-myFico-vs-Lender/m-p/2558501#M75250 <P>American express pulled my Transunion score on 10/29/13 and it was 672. On the same day I pulled my Quarterly Montering Transunion Score through myFico, it was a 582. All of the information regarding acoounts is the same on both reports. The only thing I noticed was that a CA on the my Fico report was listed in the accounts section not the collections section. Why such a big difference if myFico is really pulling from Transunion?</P> Sat, 02 Nov 2013 18:45:21 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Quarterly-Montering-Transunion-Score-through-myFico-vs-Lender/m-p/2558501#M75250 omoa 2013-11-02T18:45:21Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Quarterly-Montering-Transunion-Score-through-myFico-vs-Lender/m-p/2558513#M75251 <P>FICO version. I've read that Amex uses a FICO8 version, so if they pulled TU it is likely a TU08. The version on TUQM is TU98. One big difference is that TU98 scores charge cards, LOCs, and HELOCs a lot differently.</P> Sat, 02 Nov 2013 18:51:17 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Quarterly-Montering-Transunion-Score-through-myFico-vs-Lender/m-p/2558513#M75251 llecs 2013-11-02T18:51:17Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Quarterly-Montering-Transunion-Score-through-myFico-vs-Lender/m-p/2561623#M75269 TU FICO from MyFico is TU 98 Classic.<BR />TU FICO from Amex is TU 08 Classic.<BR /><BR />They are two different scores. Mon, 04 Nov 2013 16:10:55 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Quarterly-Montering-Transunion-Score-through-myFico-vs-Lender/m-p/2561623#M75269 kkapdolee 2013-11-04T16:10:55Z