Juniper just started giving me transrisk score

[Anonymous]

My score on juniper is 633 DEC24. Transunion web site 737 DEC24. And new trans score with new guidlines is 801 today. juniper is using trans risk so it should be 737.  I pull my credit every day and if Juniper says on dec 24 IM a 633 And Transunion Says on that day i was 737 were is the problem. juniper cant explain this to me. and on this site is 766 using fico formula i under stand why these are different because they use different modules but juniper is claming they use trans risk modual. i hope you can understand this thanks.

[Jazzzy]

I get my TransRisk score free through my Sears Citi MasterCard. The TransRisk is not like the FICO, and the score won't correltate with a FICO score. I ignore the TransRisk and just use the FICO.

[Anonymous]

I know Fico is used more but I dont understand how Juniper can say that they use Transrisk score. And on the 24, when they updated it, I was 630 but TransUnion directly said that I'm 733 on the same day.  It looks like True Credit started in the past days to use the vantage module; it is 501-990 the same as vantage. All my Fico are over 760. It just upsets me to see a 637 and it makes no sense to me.

[Anonymous]

Thats because the transrisk and the score from Transunion are different. The Transrisk is a FAKO and doesnt matter. My Credit One Card give me an Equifax FAKO and it is almost 100 points lower than my FICO. Only look at your FICO's they are the only ones that count and the others will drive you nuts if you try to make them work for you. They are used by NO LENDERS. If your FICO's are all above 760 you are good to go.

[Anonymous]

Thanks i knew there was dif moduals but a 637 just freaked me out i was like oh no they are going to close all my accounts. i pull my fico from hear once a month and daily from credit agency equifax is always what this says trans union is like a 30 point dif and experian well who knows what that is other then the 801 they give me but this was a 130 point difference so i freaked out i never knew they could varry that mutch. but thanks for all the help :-). so you mean to tell me juniper knows i have a 760 but gives me this fake score. i dont get that at all

Message Edited by XQ28Libra on 12-26-2009 11:26 AM

[Anonymous]

Yeah Juniper knows your score is a lot better than that. These cards offer the FAKO scores as a "benefit" to their cardholders. The problem is they arent going to buy your your FICO so they are forced to use some off the wall scoring algorithm or create their own and it would be tough to come up with one anywhere close to the FICO since it is so secret. I used to live by FAKOS not knowing any better. ANd then I found this site and it has been a blessing. My scores are on the way up and now I know what really affects scoring not what those FAKOs used to tell me. Stick with your TU and EQ ficos and when you apply for mortgage or auto ask for your EXP and you will be good. I dont worry about Experian much. I just keep the report itself clean and as close to EQ and TU as much as possible and the score is bound to stay close.

[Anonymous]

When they do AR do they get fico?

[Anonymous]

Yes for all their decision making they pull your FICO but they never reveal your FICO score to you.

[DI]

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@Anonymous wrote:
Yes for all their decision making they pull your FICO but they never reveal your FICO score to you.

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PenFed revealed my EQ FICO to me. It was 792.  

[Anonymous]

Well PENFED I would consider an exception. There are few companies who will reveal you credit score to you.