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Transunion Fico Score

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Schmoopy
New Contributor
‎10-25-2018 12:16 AM
‎10-25-2018 12:16 AM

Re: Transunion Fico Score

@Anonymous

What's your average age of accounts and your 5/24 status?  A Chase card could be a viable option too.

 

No, I definitely couldn't be a banker.

 

1Y4M.

I applied to more than 5 cards in the past 24m but don't see all of them as hard inquiries.

8/2017 Experian 684 | 11/2017 Transunion 640 | 10/25/2018 Experian 784, Transunion 711, Equifax 707 | 11/1/2018 Experian 797, Transunion 709, Equifax 709 | 2/20/2021 Experian 744, Transunion 716, Equifax 703 | 1/29/2022 Experian 695, Transunion 700, Equifax 700 | 6/11/2022 Experian 792, Transunion 749, Equifax 742 | 8/4/2022 Experian 757, Transunion 782, Equifax 745 | 3/22/2023 Experian 817, Transunion 825, Equifax 827
Message 21 of 22
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Anonymous
Not applicable
‎10-25-2018 05:19 AM
‎10-25-2018 05:19 AM

Re: Transunion Fico Score

@Schmoopy

I took a student loan 7 years ago and I had late payments.

This appears on TU and EQ but for some reason doesn't appear on the EX report, hence the discrepancy. Not much I can do about that besides wait until they come off the report (late payments were 2015, so it's there until 2022 I'm afraid).

Not necessarily.  You could attempt to obtain a GW adjustment.  Your chances of success depend on the lender, how many late payments you have and/or their severity (how late) along with how favorable your payment history with them is otherwise. 

Message 22 of 22
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