OK, here's the question: TU score: 688-lots of success w/disputes. 15 positive accounts, 7 negatives. Truelink: 569. Same info Eloan: 563. I assume that all of these are pulling TU-what gives? Can anyone tell me which of these are likely the most accurate-I thought that TU was my best score, but I have read a few posts that suggest TU consumer score isn't legit.
THe TU consumer score is bunk for many reasons, the least of which is that it is based on a 930 (approximately) top end whereas FICO only goes to 850. THe good news is that truelink and eloan are pure bunk too. If you really want to know your TU score, you have to apply somewhere where they will give you your score. I know that Generations Bank pulls TU, and they didn't have any problem telling me my score. BTW, my TU score at the time was 735 and GB quoted me 722.
Thanks for your reply. I did notice on my TU that I had several accounts that had not updated for some time. Also, I think that truelink actually pulled EXP, because they had a different # of accounts than TU. Of course, that score was about 50 points off of my EXP. I am just kinda stressed about applying.
