703. Look out 750
Laugh, so EQ barely budged on a new tax lien reported; however Walmart: 711 -> 672.
Guess I need to get that Fresh Start paperwork actually *mailed* on Monday.
I am not sure how my score here can be so dramatically different than this score from WalMart... My score here is 784. 50 pts lower than my 834 WalMart score... It is accurate too, from today... Walmart posted the 3rd, but there wasnt anything different that day than today reporting.
The only negative on MyFico states is the following:
"Number of your accounts carrying a balance
6 accounts 
FICO High Achievers [?] have an average of 3 credit accounts carrying a balance."
3 of these 6 accounts are two car payments and my mortgage... the other three are my amex, which is not a credit card and the balance does not count towards my util %... It has a balance every month. The other two are credit cards, both have under $300 balances. My Util is less that 1%. I know these are two different 'fico' scores... but 50 pts difference? If the Gov needs to regulate anything, it would be this... It is very confusing as a consumer...
@Anonymous wrote:I am not sure how my score here can be so dramatically different than this score from WalMart... My score here is 784. 50 pts lower than my 834 WalMart score... It is accurate too, from today... Walmart posted the 3rd, but there wasnt anything different that day than today reporting.
The only negative on MyFico states is the following:
"Number of your accounts carrying a balance
6 accounts
3 of these 6 accounts are two car payments and my mortgage... the other three are my amex, which is not a credit card and the balance does not count towards my util %... It has a balance every month. The other two are credit cards, both have under $300 balances. My Util is less that 1%. I know these are two different 'fico' scores... but 50 pts difference? If the Gov needs to regulate anything, it would be this... It is very confusing as a consumer...
Take comfort in knowing that either score is rated as "excellent", therefore, if you were applying for credit you would still get the best terms. 
Back to 808 after dropping to 794 in Nov & Dec. I've learned that this TU model does not take an AU card with a balance into consideration. It was giving me a message about not using my credit because I had no balances on my credit cards, even though my AU Wells Fargo card had a balance of around $1,000 reporting. So I let my Amex BCE card report with a small balance and presto - gained those 14 points right back. Meanwhile, I lose 3 points on my EQ for having 2 cards with a balance. LOL Can't win!
@Anonymous wrote:I am not sure how my score here can be so dramatically different than this score from WalMart... My score here is 784. 50 pts lower than my 834 WalMart score... It is accurate too, from today... Walmart posted the 3rd, but there wasnt anything different that day than today reporting.
The only negative on MyFico states is the following:
"Number of your accounts carrying a balance
6 accounts
3 of these 6 accounts are two car payments and my mortgage... the other three are my amex, which is not a credit card and the balance does not count towards my util %... It has a balance every month. The other two are credit cards, both have under $300 balances. My Util is less that 1%. I know these are two different 'fico' scores... but 50 pts difference? If the Gov needs to regulate anything, it would be this... It is very confusing as a consumer...
Actually on the TU ('98) score here the Amex balance is calculated for revolving utilization: that didn't get yanked out until the '04 versions of the FICO model. The TU score here is 10 years older than the Walmart one, it measures some things quite differently and it's not unusual to have a non-trivial disparity as you've seen.
Even if this did add the amex amount, it was only $1,600. I have $180,000 in Credit, so I am still less than 2% UTIL... I am not sure how $1600 with a 180,000 credit limit would make it 50 pts lower 
@Anonymous wrote:Even if this did add the amex amount, it was only $1,600. I have $180,000 in Credit, so I am still less than 2% UTIL... I am not sure how $1600 with a 180,000 credit limit would make it 50 pts lower
That's only one factor; '08 weighs new information more heavily than old anecdotally - if you have some negatives things from the ancient past, they'll weigh a lot more on the older versions of the FICO models as an example, and there's others as well.
Can't really take much from it other than they're simply different and won't track 1:1. I wouldn't worry about it frankly, sounds like your report doesn't suck anyway and any lender not still in the stone age will see you that way. FWIW I don't track my TU '98 since getting my own Wally card.
OK, thanks for the advice... I probably shouldnt track this TU98 either. All I do is pay $15 and get pissed
