- Centurion Member
- Posts: 466
- Joined: Sat Apr 13, 2013 7:49 pm
- Location: Colorado, USA
As you said, it's different scoring models for Transunion, and some may consider the difference significant, due to the diversity of the MODELS.
MyFICO provides the TU98 model, one that is rarely used any more. The Discover score is the TU08 model, the most recent. That's also the model that others that provide complimentary TU scores use, such as WalMart. In between is the TU04 model, which is what a goodly number of lenders use.
Personally, I'll take the TU08 model over the TU98 model any day. It's far more relevant, the algorithms are different and more current...and more lenient. And since it is a newer model, the probability is that more lenders will look to that model versus the TU98 model for the future.
Retired, and in the process of retiring cards!
EQ = 846 EX=828 TU = 836 as of 02/2016