TU Score too high?

[Anonymous]

I got an email telling me I could get my free credit report from TU so I logged on and was able to buy my score for $8, so I did but it was 700. I know a lot of people would say thats good, but my EX score is 624 and my EQ score is 599. I am new to this but have been working on me and my husbands credit for a few months now. It just seems way too high to me.

[Lel]

Based on the price you paid, you almost certainly did not pull a true FICO score.  You probably got their Trans Risk score, which I believe goes to 950, unlike the FICO score, which goes to 850.

If you did not obtain your Experian score from a creditor, then it is not a true FICO score either.  Where did you obtain your Equifax score from? 

[Anonymous]

Here on MyFico.com

[Lel]

So your EQ score is an actual FICO score.  If you want to see where your TU FICO score stands, you could purchase it from here as well.  If you do a Google or Yahoo or Bing search for FICO discount codes, you could save yourself a few bucks.  Posting of discount codes on the forums is not permitted, so you're on your own.  But they should be easy to find, if there are any active codes out there.

[boireann]

Did you get it from transunion.com or transunionCS.com?

I ask because the non CS.com TU website sells their own vantage score and implies that it's a fico score.   Tricky language they use.   The CS.com website sells a real FICO score.

Either way, definitely google for discount/coupon codes for myfico and you'll be able to save a lot of money buying your scores.  I always do this before I buy mine.  The best one I found was for 50% off (man I wish that one as available again), but I usually find 20-25% off codes.

[Anonymous]

The transunioncs.com score is a true FICO score, the transunion.com score is a FAKO. If you can obtain your TU FICO score here with a promo code. It is cheaper than transunioncs.com, which I have never been able to find a promo code for. I have to use transunioncs - TU returns a code to myFICO which says my address is a correctional facility (which it is not) and blocks transmission of my CBR info.

BTW - The formats of the reports on the two TU sites are not the same!