Helped me understand Transunion scoring?

[AzCreditGuy]

This isn’t a bash Transunion thread but I need to understand the logic behind the scoring of Transunion. Personally, for me, ever since I have had a credit score, Transunion has always been the lowest of my scores. They have also been hard  to deal with, if any disputes are needed.

They are the only credit bureau that has locked me out of the online dispute process, I was told my account is in special status, but to me its being flagged, due to CFPB and Legal letter being written to them in the past, to correct issues they refused to work on.

Transunion is also the only Bureau that doesn’t recognize 2 AU accounts, which came about from contacting CFPB and Legal letters to them, hence the special account “status”

For early April I have no baddies, 0 late payments on my accounts and new accounts have been opened within the last 10 months, here is the following

Transunion Score 676 , 2 inqs, 33% Ulti (complete), 7 CC and 1 personal loan with balances

Equifax Score 693, 2 inqs, 30% Ulti (complete) 7 CC, 2 AU and 1 personal loan with balances

Experian Score 707, 5 inqs, 30% Ulti (complete) 7 CC, 2 AU and 1 personal loan with balances

May is going to be good month for me 3 personal CC paid down and Ulti even lower, I cant wait to see how the scoring is when they get updated by all 3 

[dragontears]

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@AzCreditGuy wrote:

This isn’t a bash Transunion thread but I need to understand the logic behind the scoring of Transunion. Personally, for me, ever since I have had a credit score, Transunion has always been the lowest of my scores. They have also been hard  to deal with, if any disputes are needed.

They are the only credit bureau that has locked me out of the online dispute process, I was told my account is in special status, but to me its being flagged, due to CFPB and Legal letter being written to them in the past, to correct issues they refused to work on.

Transunion is also the only Bureau that doesn’t recognize 2 AU accounts, which came about from contacting CFPB and Legal letters to them, hence the special account “status”

For early April I have no baddies, 0 late payments on my accounts and new accounts have been opened within the last 10 months, here is the following

Transunion Score 676 , 2 inqs, 33% Ulti (complete), 7 CC and 1 personal loan with balances

Equifax Score 693, 2 inqs, 30% Ulti (complete) 7 CC, 2 AU and 1 personal loan with balances

Experian Score 707, 5 inqs, 30% Ulti (complete) 7 CC, 2 AU and 1 personal loan with balances

May is going to be good month for me 3 personal CC paid down and Ulti even lower, I cant wait to see how the scoring is when they get updated by all 3 

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I am not sure of what your question is 

[AzCreditGuy]

Seems that Transunion scores have alaways been lower than Equifax and Experian when it comes to my credit score. It would seem maybe those AU cards are helping me with Equifax and Experian but when I did have them on Transunion my score was still lower by 10 to 20 pts ...Trying to understand how Transunion scores....

[thornback]

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@AzCreditGuy wrote:

Seems that Transunion scores have alaways been lower than Equifax and Experian when it comes to my credit score. It would seem maybe those AU cards are helping me with Equifax and Experian but when I did have them on Transunion my score was still lower by 10 to 20 pts ...Trying to understand how Transunion scores....

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A 10-20 point gap is normal though.  My EQ has always been my lowest and is currently 20+ lower than the other 2.  My EX and EQ are identical account wise but calculate a 15-20+ point difference.  My TU is the only bureau that does not report my AU but its score is just as high (sometimes higher) than EX.  

Each bureau tweaks the FICO algorithm a bit to suit their scoring preferences -  which is why all 3 scores differ, sometimes only slightly but other times more than.  Sucks sometimes but there's nothing you can do about it if all the data reported is accurate. 

[Anonymous]

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@AzCreditGuy wrote:

This isn’t a bash Transunion thread but I need to understand the logic behind the scoring of Transunion. Personally, for me, ever since I have had a credit score, Transunion has always been the lowest of my scores. They have also been hard  to deal with, if any disputes are needed.

They are the only credit bureau that has locked me out of the online dispute process, I was told my account is in special status, but to me its being flagged, due to CFPB and Legal letter being written to them in the past, to correct issues they refused to work on.

Transunion is also the only Bureau that doesn’t recognize 2 AU accounts, which came about from contacting CFPB and Legal letters to them, hence the special account “status”

For early April I have no baddies, 0 late payments on my accounts and new accounts have been opened within the last 10 months, here is the following

Transunion Score 676 , 2 inqs, 33% Ulti (complete), 7 CC and 1 personal loan with balances

Equifax Score 693, 2 inqs, 30% Ulti (complete) 7 CC, 2 AU and 1 personal loan with balances

Experian Score 707, 5 inqs, 30% Ulti (complete) 7 CC, 2 AU and 1 personal loan with balances

May is going to be good month for me 3 personal CC paid down and Ulti even lower, I cant wait to see how the scoring is when they get updated by all 3 

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Your transunion credit SCORE is not the issue.

Your transunion credit REPORT is the issue.

the credit score is an automated algorithm.  its just math and it does not discriminate or care about who where when or why.  it only cares about what.  what in the report and then applies math to that.

Your issues seem to all stem around what is or is not in the credit report.  33% utilization vs less than 30% utilization (28.9% to be exact) for aggrigate scoring makes a pretty big difference.  that 3-4% in utilization alone and getting below 29% would likely put your TU score at or above the others.

Your special circumstances would likely need to be explained in more detail to get help, and even then its probably an uphill battle anytime your working against the legal process.  your scores will likely see a quicker boost by paying off another 4% on accounts reporting to TU than getting them to resolve your credit report (not that it wont happen, its just a slower process)

[Remedios]

@AzCreditGuy  you scores are very low for a clean file.

You'd need to provide a bit more information, utilization in particular, if you're looking for reasons why not only TU but also the other two are below 700 if you truly have no negatives. 

[AzCreditGuy]

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@Anonymous wrote:

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@AzCreditGuy wrote:

This isn’t a bash Transunion thread but I need to understand the logic behind the scoring of Transunion. Personally, for me, ever since I have had a credit score, Transunion has always been the lowest of my scores. They have also been hard  to deal with, if any disputes are needed.

They are the only credit bureau that has locked me out of the online dispute process, I was told my account is in special status, but to me its being flagged, due to CFPB and Legal letter being written to them in the past, to correct issues they refused to work on.

Transunion is also the only Bureau that doesn’t recognize 2 AU accounts, which came about from contacting CFPB and Legal letters to them, hence the special account “status”

For early April I have no baddies, 0 late payments on my accounts and new accounts have been opened within the last 10 months, here is the following

Transunion Score 676 , 2 inqs, 33% Ulti (complete), 7 CC and 1 personal loan with balances

Equifax Score 693, 2 inqs, 30% Ulti (complete) 7 CC, 2 AU and 1 personal loan with balances

Experian Score 707, 5 inqs, 30% Ulti (complete) 7 CC, 2 AU and 1 personal loan with balances

May is going to be good month for me 3 personal CC paid down and Ulti even lower, I cant wait to see how the scoring is when they get updated by all 3 

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Your transunion credit SCORE is not the issue.

Your transunion credit REPORT is the issue.

the credit score is an automated algorithm.  its just math and it does not discriminate or care about who where when or why.  it only cares about what.  what in the report and then applies math to that.

Your issues seem to all stem around what is or is not in the credit report.  33% utilization vs less than 30% utilization (28.9% to be exact) for aggrigate scoring makes a pretty big difference.  that 3-4% in utilization alone and getting below 29% would likely put your TU score at or above the others.

Your special circumstances would likely need to be explained in more detail to get help, and even then its probably an uphill battle anytime your working against the legal process.  your scores will likely see a quicker boost by paying off another 4% on accounts reporting to TU than getting them to resolve your credit report (not that it wont happen, its just a slower process)

@Anonymous 

The figures that I gave are based on April 9th and with lag of updated information. Current Ulti for Trans is 24.67% and Experian/Equifax 26.56%. I do nt believe once the information is updated that Transunion will be higher, but I will wait and see what happens when its updated.

I have no special circumstances as the moment with Transunion, as it was more explain on my past credit disputes with Transunion. But I did get a denial for a CLI last week using Transunion information as stated by the bank and when I tried to dispute to see what was on my file, I was denied this access online at the transunion.com webiste that I am a member of. Thats more of less how Transunion has been with my "special" account

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[AzCreditGuy]

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@Remedios wrote:

@AzCreditGuy  you scores are very low for a clean file.

You'd need to provide a bit more information, utilization in particular, if you're looking for reasons why not only TU but also the other two are below 700 if you truly have no negatives. 

@Remedios Ulti was provided above  for all 3 and yes I have ZERO NEGS on my account

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[dragontears]

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@AzCreditGuy wrote:

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@Remedios wrote:

@AzCreditGuy  you scores are very low for a clean file.

You'd need to provide a bit more information, utilization in particular, if you're looking for reasons why not only TU but also the other two are below 700 if you truly have no negatives. 

@Remedios Ulti was provided above  for all 3 and yes I have ZERO NEGS on my account

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That is very strange to have such a low score with no negative information on your reports. 

Do you have an individual card that is maxed out or has high utilization? 

[AzCreditGuy]

@dragontears  

Yes for April I have 2, Wells Fargo’s was at 61% but as of now is 56%, still high but unsure if that warrants that many pts down? And the other one is Barclays who created an artificial high utilization when they penalized me for a credit spree and deceased my CL from $5k to $2,350 creating a 87% . For April this was at 78% it now at 56%. When I am done paying down the Barclays 0% APR period, that card is going to get thrown in the sock drawer and never used again. Thought Indv Utli was 5 pts per grade?