One month ago my TU FICO score was 714. Today it is 698. Here is the only change. A few months ago, TU merged my report with my son's report. This added 10 positive (no negative) active student loans to my report. I disputed all ten loans which were deleted. But then, they added six of them back on, but this time listing them as paid off (they are all still active loans so I don't know where they got this). At that point, my FICO was 714. Then I disputed one of the paid off loans as not mine. It was just deleted, dropping 16 points from my score. Nothing else changed other than my normal monthly payments. There are no negatives on this report. I am planning on disputing one loan a month as "not mine" so I can get an updated credit report and FICO score each month for six months. I sent out the second dispute Wednesday. After this, I am rethinking this strategy. I will wait and see the out come of that dispute before sending another one out.
Anyone is allowed to get a free report if they are considering applying for a new job within 60 days. You'd have to write a letter, but you'll get a free report. TU FICO? Where did you get it? From a mortgage company? From an auto lender? You realize that the TU Score that comes with the report IS NOT a FICO Score right? No lenders use it. TU does not release a FICO direct to consumers.
I got it directly fron TU. They said it was their version of FICO. If it ain't FICO, what is it and how does it compare to the real FICO?
It's a TU consumer credit score... used, at least from reports, only by consumers... it's close to a FICO score, but not the same... seems to be a little higher than your actual FICO score. If you want your FICO score, it is only availble through MYFICO.com which relys on your Equifax report to power the score. If there is different info on your EQF report, it will be different score.
