Doc, I still don't think you've got the math quite right because the lowest score you can get on a FICO scale is 300, and the lowest score you can get on TU's scale is 150. So the median score at eloan would be 575, and the median score at TU is 550. I would have to sit down for a while to figure out what the conversion formula should be, but I think that this shows that the TU score shouldn't necessarily be higher because the top end of the scale is higher. ellen
Ellen, actually I got it right this time. If you'll notice, the new formula accounts for the difference in lower limits. That's the reason for the rederivation! (Examine the derivations in italics.) Exactly. Reread my analysis adjacent to the revised formula. For example, note what happens to GHONEYONE's derived TU score under the new formula -- it goes down. Doc
