elyse449 Posted April 18, 2007 Report Share Posted April 18, 2007 Hi folks,Signed dh up for True Credit yesterday and was MOST dismayed to see his current scores...with TU he's only at a 514. Than again, I did discover that they had a collection on there that couldn't possibly be his along with bogus address/birth date info!!! GRRR!! Well, I guess it's good I looked PRIOR to trying to refi again. Thank GAWD I still got a few more months! Dang...I just didn't need this right now.On the plus side? Mine is 597 with Experian, the highest it's ever been.Elyse Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted April 18, 2007 Report Share Posted April 18, 2007 Curious, how come he wasn't signed up when you were? Link to comment Share on other sites More sharing options...
JuniorNY Posted April 18, 2007 Report Share Posted April 18, 2007 strangely enough. My score with TransUnion by True Credit is drastically lower than my score appears when pulling the same information with anyone else. I found that really strange. Link to comment Share on other sites More sharing options...
kevin3344 Posted April 19, 2007 Report Share Posted April 19, 2007 I bet if you pull them thru myFico they are higher...but who can afford that. Better to wait until you are close to your refi before getting your real scores. TU will do for now, but keep in mind it can be way off from what the scores actually are. For me TU was much lower. Link to comment Share on other sites More sharing options...
lyle7289 Posted April 20, 2007 Report Share Posted April 20, 2007 Forget them FAKO scores...they are depressing.I won't even click the button anymore. Link to comment Share on other sites More sharing options...
Big Time Posted April 21, 2007 Report Share Posted April 21, 2007 Forget them FAKO scores...they are depressing.I won't even click the button anymore. ^ what he said. Those scores are consistently 100 points lower that the real FICO for every CRA for me. Link to comment Share on other sites More sharing options...
pjfan Posted April 21, 2007 Report Share Posted April 21, 2007 ^ what he said. Those scores are consistently 100 points lower that the real FICO for every CRA for me.Yes TC FAKOS are wayyyyyyyyyyyyy off.Could be higher, could be lower.But definatley way off base!If you can get the collection delated it will make a huge difference. ( but you already knew that)Good Luck and don't be discouraged TC is not accurate. Link to comment Share on other sites More sharing options...
momof5 Posted April 22, 2007 Report Share Posted April 22, 2007 Actually what I have found is that when your scores are in the low 500's or high 400's the TC scores are higher. Once your TC scores show in the 590+ range..... then they are lower than FICO. Link to comment Share on other sites More sharing options...
Recommended Posts