confused about credit score

[Anonymous]

I just got a line of credit from my cu and they pulled tu and said my credit score was 658. My score on my fico shows 632. Why are they different? Also, TU said I have too many accounts showing paid as agrees. That just does not make any sense to me. Isn't that the point that we are suppose to pay our bills on time to show our credit worthiness?

[MarineVietVet]

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@Anonymous wrote:
I just got a line of credit from my cu and they pulled tu and said my credit score was 658. My score on my fico shows 632. Why are they different? Also, TU said I have too many accounts showing paid as agrees. That just does not make any sense to me. Isn't that the point that we are suppose to pay our bills on time to show our credit worthiness?

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The version of TU they pulled might have been TU04 whereas the TU version here is TU98. That's my guess.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[AndySoCal]

There is a FICO score reason that says Too few accounts paid as agreed. You may wnat to double check that reason code.  The one you posted I cannot find as a FICO score reason.

[Anonymous]

I will double check but I'm positive that it said too many accounts. Anyway, do you have any ideas why my fico score is different than what my cu said it was? I thought the scores from my fico were accurate.

[AndySoCal]

If the scores in your original post are mY FiCO trans union credit reports there is a difference.  MY FICO uses the TU 98 FICO score where the lender is Using the 2004 version of the score. You cannot buy the  TU FICO 2004 score anywhere.  Look at the score reasons and see if any of them are different or listed in a different order. The score reasons are in order of impact on the score. This might help give you some insight why they scores are different.

[MarineVietVet]

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@Anonymous wrote:
I will double check but I'm positive that it said too many accounts. Anyway, do you have any ideas why my fico score is different than what my cu said it was? I thought the scores from my fico were accurate.

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I'll answer the same way I did the first time in this thread. 

The lender probably pulled TU04 and the version you get here is TU98.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".