TU04 FICO

[snowangel]

Is there anyway to purchase a TU04 FICO? 

[MarineVietVet]

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@snowangel wrote:

Is there anyway to purchase a TU04 FICO? 

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Not that I'm aware of.

But my wife says I'm not aware of much of anything so take then into consideration. 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

Not that I know of.  I was so bummed to see a 660 here and a 648 from my lender using TU04 

[snowangel]

Mine was 30 points lower

[GregB]

How do either of you know that your lender used one of the TU 04 FICO scores? And if so do you know which one?

[snowangel]

Actually, I don't.  But I applied for a student loan, so I doubt that they would have used an enhanced score.  At least I haven't read about enhanced scores for that purpose.

[haulingthescoreup]

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@MarineVietVet wrote:

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@snowangel wrote:

Is there anyway to purchase a TU04 FICO? 

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Not that I'm aware of.

But my wife says I'm not aware of much of anything so take then into consideration. 

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lol -- gotta love an honest man!

myFICO is working with TU in hopes of getting them (TU) to start providing the 04 version here.

[Booner72]

It's a pickle to get a lender to tell you which score they pulled (bc they probably don't know), but I do know that when you get the denial letter it will say what scoring model is used and the credit score.  Hopefully you don't get denied - I'm basing this on DH's home depot denial letter, and also copies of the credit scores we got from the mortgage lender - but that letter only gave us the info from the MIDDLE score since that is the score they used.  For me it was the TU04 and the letter said that.

[snowangel]

I was denied because I have a judgement. I have a judgement from '09 that is now paid that they cited as the reason for denial.  I can appeal within 60 days though.  I'm hoping to get it removed but I'm not sure how long the process takes.

I was shocked by the 30 point difference in the score they gave me and what I got on here.  The letter doesn't state the TU FICO model used.

[GregB]

I'm just guessing that a school loan doesn't use any of the industry specific FICO scores.

I do think it is a heck of an assumption that any TU FICO score that does not match the TU FICO Classic 98 from myFICO is automatically TU FICO Classic 04. That might be a good guess on a mortgage. Does anyone know for sure? There is also a FICO 8 Score and for something completely new, FICO 8 has an industry specific score for a mortgage. Does any know for a fact if any mortgage lenders are using FICO 8?

If you are not dealing with a mortgage, we do have all the normal industry specific scores for Auto, Bankcard, etc. for each version of TU FICO 98, 04, and 8. So if somebody applies for a bank card and their TU FICO Score is lower than the one pulled here it could be TU FICO 98 BankCard. I don't think we can assume it is Classic 04. We would have several possiblilities.