Long history not always a good thing......?

[Kratos-TM]

My TU is my best report.......No inquiries, no new accounts, no baddies, 1% uti, perfect mix, 6 years AAoA and 19 years history........lowest score

My Ex and EQ have inquiries and 4 years AAoA and 12 years history.......high scores

My only conclusion is that the "19 years history" has put me in a bucket with the "top dogs" and I can't compete with them..........OR.........TU98 just doesn't like me.

[kkapdolee]

I would say TU 98 just doesn't like you just like EQ 04 doesn't like me..

My EQ 04 was 96 point lower than TU 08 on the same day with identical CR with minor inq differences.

[Kratos-TM]

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@kkapdolee wrote:

I would say TU 98 just doesn't like you just like EQ 04 doesn't like me..

My EQ 04 was 96 point lower than TU 08 on the same day with identical CR with minor inq differences.

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Wow.....that's crazy. Maybe TU04 or TU08 likes me better.....???

[llecs]

IIRC, the top of the range for TU98 is different than Beacon 5.0 or the EX08 version on here. Without looking it up, it's considerably lower.

[kkapdolee]

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@llecs wrote:

IIRC, the top of the range for TU98 is different than Beacon 5.0 or the EX08 version on here. Without looking it up, it's considerably lower.

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Top range for TU98 is 843. Top range for EX08 is 850.

I wouldn't say that's considerably lower.

[kkapdolee]

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@Kratos-TM wrote:

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@kkapdolee wrote:

I would say TU 98 just doesn't like you just like EQ 04 doesn't like me..

My EQ 04 was 96 point lower than TU 08 on the same day with identical CR with minor inq differences.

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Wow.....that's crazy. Maybe TU04 or TU08 likes me better.....???

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Your TU08 is probably above 800 (higher than your EX08). If you have Barclay's or Walmart card you can check..

Your TU04 is probably above 795.

I have identical CRs on all three CBs except for inqs and my EX08 was a few points lower than my TU08 a couple of days apart (757 vs. 762) and my EX CR had a few more inqs than TU CR. (while my EQ04 was 666 on the same day as TU08. EQ had about the same number of inqs as EX.)

[Kratos-TM]

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@llecs wrote:

IIRC, the top of the range for TU98 is different than Beacon 5.0 or the EX08 version on here. Without looking it up, it's considerably lower.

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If that's true, that would make a whole lot of sense!

[Kratos-TM]

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@kkapdolee wrote:

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@Kratos-TM wrote:

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@kkapdolee wrote:

I would say TU 98 just doesn't like you just like EQ 04 doesn't like me..

My EQ 04 was 96 point lower than TU 08 on the same day with identical CR with minor inq differences.

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Wow.....that's crazy. Maybe TU04 or TU08 likes me better.....???

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Your TU08 is probably above 800 (higher than your EX08). If you have Barclay's or Walmart card you can check..

Your TU04 is probably above 795.

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I hope you're right. I don't have either card, so there will be no way for me to know.

[kkapdolee]

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@Kratos-TM wrote:

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@llecs wrote:

IIRC, the top of the range for TU98 is different than Beacon 5.0 or the EX08 version on here. Without looking it up, it's considerably lower.

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If that's true, that would make a whole lot of sense!

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This is not true.

Top range for TU98 is 843.

Top range for EQ04 is 818. (AKA Beacon 5.0)

Top range for EX08 is 850.

[Kratos-TM]

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@kkapdolee wrote:

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@Kratos-TM wrote:

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@llecs wrote:

IIRC, the top of the range for TU98 is different than Beacon 5.0 or the EX08 version on here. Without looking it up, it's considerably lower.

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If that's true, that would make a whole lot of sense!

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This is not true.

Top range for TU98 is 843.

Top range for EQ04 is 818. (AKA Beacon 5.0)

Top range for EX08 is 850.

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EQ04....818?....Really?.....wow.....that makes my 795 look a whole lot better! LOL