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TU scores all different???

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Frequent Contributor

TU scores all different???

Ok so, i am just a tad dumbfounded on why there is such a spread

 

Looking at TransUnion my scores from sources are as follows:

 

On TransUnion's direct site:  749 (realize this is not a true number but why do they show it then?  It's useless to see such a fake score)

 

On MyFico TU:  660 (slowest to update)

 

On CapOne Credit Tracker:  TU ; 612

 

On CK:  TU 682

 

 

I've come to rely more on MyFico's number.   But the CapOne tracker is REALLY off if it is 'by TU"................why?

 

 

11/14 Wake up: EX 10/14 584 GOALS: 2015=720+ My FICO:10/27/15 EQ 693 TU 712 EX 705: WalMart 5K- C1 QS 1300 ; C1QS 1300 : Credit One 500; Kay 6k : PP Smart Conn 4k; QVC 3500: USAA Plat MC 1,500 AMEX PRG nsl : BoA $3k; Kohls 750: Am Eagle 4k: Amazon 6k ; Pier One 3500; Lowes 12k: VS 350: Chase Amazon 500; Sportsmans 2k; Ttl Rwds Sign VISA $9K; BJsPerks $4k: BarclayNFL 3800; JCP 5k; Macys 1k; NFCU cc $25k: NavCheck $15k; AARP $4k; Discover $4k
Message 1 of 3
2 REPLIES 2
Senior Contributor

Re: TU scores all different???


@MrsRecoveryBound wrote:

Ok so, i am just a tad dumbfounded on why there is such a spread

 

Looking at TransUnion my scores from sources are as follows:

 

On TransUnion's direct site:  749 (realize this is not a true number but why do they show it then?  It's useless to see such a fake score)

 

On MyFico TU:  660 (slowest to update)

 

On CapOne Credit Tracker:  TU ; 612

 

On CK:  TU 682

 

 

I've come to rely more on MyFico's number.   But the CapOne tracker is REALLY off if it is 'by TU"................why?

 

 


You should rely on the MyFico number, it's the only one that isn't a Fako. Cap One is based on TU information, but it's a Fako. In fact, it's just about the worst Fako out there. CK is also a Fako, but probably one of the better Fakos.

Message 2 of 3
Frequent Contributor

Re: TU scores all different???

Yeah, I know there are the FAKO variations all over the place but Cap One is SOOOO far off I was shocked.

 

And I got very disappointed in TU directly long ago, suppose someone only chose to pull their report and score from them???  They'd go app thinking they looked great only to be virtually slapped in the face  I mean really at least the CRAs should be bound to provide the 'true score' when you pay for their subscription and not some unused number.  Once I get everything cleaned up, they are the first to go.  I just monitor monthly what's added and whats dropping right now on each;  this time next year should be only using MyFico membership as I will be all maintenance only.

 

Considering the way credit scores have so much control over one's life, there should be consistency and full factual disclosure to the consumer directly and not this haphazard info that varies so dramatically.

11/14 Wake up: EX 10/14 584 GOALS: 2015=720+ My FICO:10/27/15 EQ 693 TU 712 EX 705: WalMart 5K- C1 QS 1300 ; C1QS 1300 : Credit One 500; Kay 6k : PP Smart Conn 4k; QVC 3500: USAA Plat MC 1,500 AMEX PRG nsl : BoA $3k; Kohls 750: Am Eagle 4k: Amazon 6k ; Pier One 3500; Lowes 12k: VS 350: Chase Amazon 500; Sportsmans 2k; Ttl Rwds Sign VISA $9K; BJsPerks $4k: BarclayNFL 3800; JCP 5k; Macys 1k; NFCU cc $25k: NavCheck $15k; AARP $4k; Discover $4k
Message 3 of 3
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