Credit report differences between TU04 and TU98

[Anonymous]

My question is, even though they use a different scoring system, will something that shows up on my transunioncs.com credit report, show up or NOT show up a credit report pulled by my lender? Even if they use the different scoring models?

[Anonymous]

Only the SCORING method is different - a Transunion report is a Transunion report and the information in the report is the same...

[Anonymous]

The scoring model for TU reports on myFICO and transunioncs.com is the same = FICO Risk Score, Classic 98!

What's different for you? Something on the CBR or something on the FICO report?

[Anonymous]

I'm just curious, that's all. I pulled my transunioncs.com score, and it's a lot higher than when my mortgage lender pulled it three weeks ago.He used the TU-04 model.

Just got an email from him too,  turns out my FICO 04 score is now right up there with my 98 score! I went up 50 points in one month!!! 

[Jazzzy]

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@Anonymous wrote:

I'm just curious, that's all. I pulled my transunioncs.com score, and it's a lot higher than when my mortgage lender pulled it three weeks ago.He used the TU-04 model.

Just got an email from him too,  turns out my FICO 04 score is now right up there with my 98 score! I went up 50 points in one month!!! 

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Good job! Tell us how you did that...

[Anonymous]

Thanks!

I think its mainly because I paid ALL my credit cards down to ZERO. I have no revolving debt. Also, there was something fishy on my account regarding a collection. I had a student loan in collections that the govt agreed to consolidate and it was still showing as in collections up until 11/09. The account finally started listing correctly on my report as being in repayment, so I think that is helping too! I was pleasantly shocked though, to say the least!

[Anonymous]

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@Anonymous wrote:

Thanks!

I think its mainly because I paid ALL my credit cards down to ZERO. I have no revolving debt. Also, there was something fishy on my account regarding a collection. I had a student loan in collections that the govt agreed to consolidate and it was still showing as in collections up until 11/09. The account finally started listing correctly on my report as being in repayment, so I think that is helping too! I was pleasantly shocked though, to say the least!

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This is the main reason,