Why does Trans Union Hate me? Is something wrong??

[Anonymous]

So I constantly monitor my Equifax (which is 689, down from 710 cause a couple new accounts were added)...

So I decide today, that I will pull my TU to see what it is, and low and behold its 613!!!

So I look at the report, and it says my utilzation is high. and that I am using 66% of my available credit. The thing is , out $1,650 of available revolving credit, im using $19....

I do have to Amex Charge cards, that had the statement cut with a balance, but I thought that wasnt considered "revolving credit". Why would my Gold and Zync be affecting my utilization percentage when they arent supposed to be factored in?!

Any idea whats going on here? Im kind of freaking out....

I have no baddies, Credit History isa bout a year...

Thanks for any help guys....

MV

[Anonymous]

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@Anonymous wrote:

So I constantly monitor my Equifax (which is 689, down from 710 cause a couple new accounts were added)...

So I decide today, that I will pull my TU to see what it is, and low and behold its 613!!!

So I look at the report, and it says my utilzation is high. and that I am using 66% of my available credit. The thing is , out $1,650 of available revolving credit, im using $19....

I do have to Amex Charge cards, that had the statement cut with a balance, but I thought that wasnt considered "revolving credit". Why would my Gold and Zync be affecting my utilization percentage when they arent supposed to be factored in?!

Any idea whats going on here? Im kind of freaking out....

I have no baddies, Credit History isa bout a year...

Thanks for any help guys....

MV

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The Trans Union score you are receiving is the FICO 98 model which does include your charge cards. The FICO 04 model does not include them. 

MYFICO uses the FICO 98 model and so does Trans Union when obtaining FICO scores. The last time I asked about when we would be using FICO 04 since most creditors/lenders also use this model I was told they were in discussions with Trans Union. No dates or confirmations were made when and if they would be changing the scoring model as of yet.

[MarineVietVet]

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@Anonymous wrote:

So I constantly monitor my Equifax (which is 689, down from 710 cause a couple new accounts were added)...

So I decide today, that I will pull my TU to see what it is, and low and behold its 613!!!

So I look at the report, and it says my utilzation is high. and that I am using 66% of my available credit. The thing is , out $1,650 of available revolving credit, im using $19....

I do have to Amex Charge cards, that had the statement cut with a balance, but I thought that wasnt considered "revolving credit". Why would my Gold and Zync be affecting my utilization percentage when they arent supposed to be factored in?!

Any idea whats going on here? Im kind of freaking out....

I have no baddies, Credit History isa bout a year...

Thanks for any help guys....

MV

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Just to be clear did you get this from myFICO or transunioncs.com? If you got it from the Transunion website that is a "Plus" score not a FICO score.

I just want to make sure you got the real deal.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

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

[Anonymous]

I got it here, So it is definately not the FAKO.

God that is terrible, I thought that all the CA were using the most updated models. You'd think if Equifax does it, they all would for consistency sakes...

[Anonymous]

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@Anonymous wrote:

I got it here, So it is definately not the FAKO.

God that is terrible, I thought that all the CA were using the most updated models. You'd think if Equifax does it, they all would for consistency sakes...

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This may help you and may not help you to give you an idea what your score would be if using the TU04 model instead.

If your EQ and TU reports have the same information on them then your scores would be comparably almost the same. If they have different accounts reporting on them then this method would not help you any.