I always thought that Credit Xpert was the TransUnion score. I pulled my score from Credit Xpert (via www.truecredit.com) and my score was 701. Then - just out of curiousity - I decided to go and pull my score from the actual transunion site (www.transunion.com) - and it was a shocking, sickening 622. Am i missing something here? Please - experts - explain! Thanx
Don't sweat either one of them, they are both bogus. True Credit is using their own scoring system based on who knows what. TU is using a consumer score that varies wildly with what a lender will see. The only way to get a real TU score is apply for something from someone who pulls TU and will tell you what the number is. Generations Bank is a great "hidden" cc company that will pull TU and tell you what your score really is. My situation, truecredit said 605, TU said 685 and Generations Bank got a 732 when they pulled my credit.
Re: Credit Xpert Versus Tu-score Ma Addt info: The Xpert score says: "you should have no problem getting some of the better offers..." The TU score says: "Lenders will have to look at your file more closely..."
