TransUnion Score

[Anonymous]

hi all, this is my first post. my TransUnion score is 647 and the other two are 671, and 688. I have a hight utilization of 67% and was wondering if TU is affected more by the high utilization than the other two? Thanks for the help.

[Anonymous]

I have not seen a different effect for UTL between the 3 CRAs. There are slight differences in 3 CRAs as they report and versions of FICO models. It might be slightly different but generally it should be very close.

[Anonymous]

ok, I just got a new BOA card that dropped my utilization down to 47% and my TU score went up 15 points while my EQ only went up 3 points, so i am thinking the high utilization was affecting TU more than the other two. I hope to get over 700 on all three by paying off my cards. my goal is >720 by 06/2010 so i can buy some land at a good rate.

[marty56]

For me, EX is very sensitive to util followed by TU.  EQ not so much.

[Junejer]

Staples, are these FICO scores or did you obtain them elsewhere (FAKO)?

[Anonymous]

Fico, the eq was from scorewatch and i payed for the TU because i really wanted to know if it would change faster because of utilization, I do not know the change in Ex(I'm not $15 worth of curious!).

[Junejer]

Hahaha. Good for you. Always google for a FICO discount code. You can get 15 -25% off with the right code. That's almost $4 off.