I have a TransUnion credit score of 883.Only received a "B". No negative reporting. Any thoughts?

Question

No delinquent reporting and have low balances. I am puzzled as to why I only got a "B".

Answer 1

The TransUnion Score means very little. You need the Fico score or at the very least Equifax. The score you are receiving is the Vantage score.

The Vantage score is owned by the big three CRAs but is not being used by any lenders as of yet.

They give you a higher score to make you feel good about yourself. I am going to take a shot at your real score using experience from dealing with Vantage Scores (FACO Scores).

A VAntage score of 883 would be somwhere in the FICO ballpark of the high 700s maybe even 80O

The only real place to get your score is MyFico.com

Good Luck

Answer 2

You got a 'Vantage' score, not the traditional FICO score. FICO scores top out at 850 or so; Vantage scores go up to 990.

Vantage scores were developed by the 3 credit bureaus to compete with FICO scores (developed by Fair, Isaac & Co.)

Here is an article explaining the new Vantage score and comparing it to a FICO score: http://www.bankrate.com/brm/news/debt/debtmanageguide/vantage-scores1.asp?caret=40

Answer 3

Whatever your 883 is, it is NOT a FICO score. FICO scores range from 350 to 850. Without knowing what type of score you are using, we can't give any useful answers.

Answer 4

Change your state. You can do this by changing the way you move (i.e. -exercise). Have you ever noticed that you never think negatively after a good run/jog? You can replace your negative thoughts with positive ones. For instance, instead of thinking about how bad your current situation is right now, think about how good everything is going to be after you get pass the current situation.

Answer 5

A credit score is between 300 and 850. Not sure what number you are looking at but it is not your credit score.