On CK and every CC that shows TU, I'm at 774. Yet, the dealer just pulled my credit and I'm in the 800 club.
All the CC use Fico 8, none are 800, all are 774.
And I use EX, have been for over 2 years. I think I'm in a never ending trial since they keep sending me emails every month with updates. It's 759 btw.
PS. Some DP on EX: Really likes loans. And really hates when you pay them off.
Your FICO® Score has increased by 31 points.
Your FICO® Score has decreased by 28 points.
Your FICO® Score has increased by 41 points.
Your FICO® Score has decreased by 30 points.
Yes, I churn n burn loans too!
I think there are 9 or 10 different TU FICO scores, at least that's what you get when you do a MF monthly membership.
There's even more scores from TU than that, they just aren't very common.
TU published a list some number of years ago, basically a product catalog, and there was a dizzying array of scores, most of which aren't relevant admittedly. Dozens, not all of them FICO or Vantage either.
To Gmood's point one of the random FICO tricks is just pay *most* of a loan off and then just leave a very small amount left on the loan for as long as possible. Sometimes lenders will make you pay it on the typical payment date, but others will push your date out years ahead and you can just baby the loan along for years while incurring next to no interest and having that FICO 8 (and a few other scores too) win for the entire time it's on there.