Re: TU scoring

Anonymous · ‎03-28-2008

i've been noticing that alot of peoples' TU scores are much lower than the other 2. Why is that? For instance, look at mine, its basically a 50 point difference between Tu and Ex. Ive seen this on alot of others' scores as well. Why is there such a difference? All my credit reports are basically the same.

BallBounces · ‎03-28-2008

My TU score is higher, by more than 5%, than the others, with no readly apparent clear reason why.

FICO 8 Scores for April 2025:

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Anonymous · ‎03-28-2008

Well, it just seems like more than coincidence that most peoples' TU is lower. I thought maybe its just TU, and that they are very picky and stuff. i was just noticing a trend that its lower.

happy0510 · ‎03-28-2008

That's strange...my TU has always been higher...hmmm.....i wonder what the deal is!!

EQ-631 3/12/08

TU-668 3/27/08

EX-???

Starting Score: 615
Current Score: 709
Goal Score: 750

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Anonymous · ‎03-28-2008

I just got mine and my EQ is the lowest EX 694 EQ 658 TU 684 It's b/c my Eq has a student loan on it that the other don't that I paid 30 days late once almost 7 years ago, I can't wait for that to go off. And if the cc's would update my usage has gone from 85% to under 50% which will be nice boost as well.

TigerCat · ‎03-29-2008

I have been wondering the same about my scores, but I see I am not the only one.

EX 673 EQ 662 TU 616 as of 3/08

Anonymous · ‎03-30-2008

TU is my highest:

haulingthescoreup · ‎03-30-2008

Each CRA requests its own scoring formula, and each rewards and penalizes different things. Off the cuff, I would say that EQ is harsher on lates, and EX is harsher on inqs and new accounts and low average history.

TU seems to love it if you have a mortgage, but they are more likely than the others to ding you for having more than one or two CC's reporting balances. In fact, my TU score actually increased when all my cards had a $0 balance on the TU report. (This resulted from TU's complete inability to be current on reports, so they missed one card that did have a balance.)

Otherwise, it's the usual what's-different-on-your-TU-report.

For me, EQ has always been lowest, but it's higher now, because I'm disputing a balance on EQ only, and that account has some lates, so it's temporarily not counting.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

Anonymous · ‎04-01-2008

yeah, thats true. all have different formulas. is there any way at all to get fico scores direct from TU or EX? or is all they give you is their Vantage Score or Plus Score? all fakos right?

Junejer · ‎04-01-2008

You can only get FAKOs at EX. You can get your TU FICO only at transunioncs.com. Notice the cs at the end and take note that they are like $14.95. You are much better off getting them from here (cheaper).