How can that be if they use the same scoeing model? I know that there score are different, but this is out of wack. Charlie
Hey, I don't know. I just found out last night that my TU score is 546, but look at the Eloan score. What is going on here?
I will try once more to explain this. Eloan takes the info from your TU report(not the score, just the entries). They then feed that info into the Creditxpert scoring model and out comes your E-Loan score. Got it?
Ok, I got that part, but what is more reliable? It is kind of confusing to go to a site of the major credit bureau and basically getting two types of scores from that site.
I personally think that E-Loan is closer to accurate than the TU score. I think most people here would agree with that. There has been the few exceptions where TU was higher than E-Loan, but not many.
They don't use the same scoring model. TU's score is COMPLETE BS. Eloan's score uses the CreditXpert scoring system(this is the same system that EX's Credit Expert uses to get their score). The Eloan score is the closest to an accurate sore, but it will differ from your TU FICO score that a mortgage broker may pull. hope this helps
So Javan, are you saying that a mortgage company or bank will pull the TU score and not the Eloan score? And if that were so, I wouldn't say that Eloan score is more accurate if no one uses it to give you credit.
