topic Re: Transunion in General Credit Topics

Transunion

Anonymous — Fri, 21 Aug 2020 22:06:22 GMT

Has anyone noticed a huge discrepancy with the transunion scores and fixed it? My Experian is 779 Equifax is 762 and Transunion chose to be "special" at 646. What gives?

Re: Transunion

K-in-Boston — Fri, 21 Aug 2020 22:42:51 GMT

Are these FICO scores? Are they the same scoring model? For a 100+ point difference, there would be substantial difference in your TransUnion report. Pull your reports at annualcreditreport.com and look for differences. If those are not FICO scores of the same model, that would explain the difference.

Re: Transunion

KLEXH25 — Sat, 22 Aug 2020 00:01:02 GMT

Where are you getting your scores? If they are all truly Fico, there must be some sort of derogatory that's only reporting to your Transunion report. Comb your credit reports to make sure everything is correct.

Re: Transunion

Anonymous — Mon, 24 Aug 2020 15:06:46 GMT

Thank you. Yes these are all from the FICO8 model. I just pulled my report and everything looks relatively the same.

Re: Transunion

Anonymous — Mon, 24 Aug 2020 15:07:18 GMT

Thank you. Yes these are all from the FICO8 model. I just pulled my report and everything looks relatively the same.

Re: Transunion

K-in-Boston — Mon, 24 Aug 2020 15:34:11 GMT

@Anonymous wrote:
Thank you. Yes these are all from the FICO8 model. I just pulled my report and everything looks relatively the same.

While each bureau has certain tweaks to the FICO 8 model and it's quite rare for them to all have the same score even with the same data, we're talking a 133 point spread between the 3 bureaus so something is absolutely amiss if those are all FICO 8 scores!

Double-check that every account appears on all 3 bureaus along with their status, dates, limits/original loan amount, and balance. For that big of a point difference, you would definitely need late payments, charge-offs, collections, previous bankruptcy, or a ridiculous amount of utilization difference (like 90+% across the board compared to almost but not quite zero) still reporting on TU for it to be that much lower.

Can you grab your full reports at annualcreditreport.com and check TU for any delinquencies?

Re: Transunion

AzCreditGuy — Mon, 24 Aug 2020 18:09:48 GMT

@Anonymous wrote:
Thank you. Yes these are all from the FICO8 model. I just pulled my report and everything looks relatively the same.

David I have the same issue as my accounts look the same across the board and yes my TU was lower than the rest EX 772 EQ 755 TU 749

But this month I got a 6pt increase to 755 on TU from paying down $321 on my personal loan....I am still 17pts away from EX 772, and Ive learned that TU is simply slamming your head into the wall trying to figure them out....

Re: Transunion

Anonymous — Mon, 24 Aug 2020 18:27:36 GMT

I agree!

@AzCreditGuy wrote:
@Anonymous wrote:
Thank you. Yes these are all from the FICO8 model. I just pulled my report and everything looks relatively the same.
David I have the same issue as my accounts look the same across the board and yes my TU was lower than the rest EX 772 EQ 755 TU 749

But this month I got a 6pt increase to 755 on TU from paying down $321 on my personal loan....I am still 17pts away from EX 772, and Ive learned that TU is simply slamming your head into the wall trying to figure them out....

Re: Transunion

Repairman — Mon, 19 Oct 2020 02:51:53 GMT

@Anonymous wrote:
Has anyone noticed a huge discrepancy with the transunion scores and fixed it? My Experian is 779 Equifax is 762 and Transunion chose to be "special" at 646. What gives?

While my discrepancy isn't as large as yours, I'm finding the exact same thing. My Experian and Equifax scores are identical while my Transunion lags behind at 20 pts lower. And I find Transunion is always slower to update and increase.

Re: Transunion

OmarGB9 — Mon, 19 Oct 2020 15:54:05 GMT

@Anonymous wrote:
Thank you. Yes these are all from the FICO8 model. I just pulled my report and everything looks relatively the same.

Where did you pull the report with the TU score from? MyFICO or CCT?

OR, If you got it directly from TU's website, that's not s FICO 8 score; it's a Vantage score which would explain the huge discrepancy as Vantage scores are far more volatile and weigh things differently than FICO 8s.

Re: Transunion

Anonymous — Mon, 19 Oct 2020 16:06:12 GMT

At this point I've pulled from my free credit report and my fico8. My scores have recently gone up by 30 points on Equi and Exp. Transunion 5 points. I don't know what gives.

Re: Transunion

Anonymous — Wed, 21 Oct 2020 21:11:49 GMT

Yes, there is definitely something up with Transunion. I've been tryign to access their dispute function for weeks and have not been able to.