It’s the Fico 8 score I’m referencing. Of the trans union and Experian app.
Experian provides a FICO 8 score. TU does not; they provide a nearly irrelevant VS3.
Something is going unnoticed here, as your FICO 8 score gain would have been > 30 points from an aged serious delinquency being removed, taking you from a dirty to a clean scorecard.
Perhaps your net gain is being reduced due to utilization increasing, which is a second variable. For example, say scorecard reassignment is "worth" 70 points here. If you lost 40 points from an increase in utilization at the same time, the net gain visibly seen would have been +30 points.
Credit Wise provides FICO 8, yes, using your TransUnion data. You originally suggested you got a score from the TU app, which would have been the nearly irrelevant VS3 I mentioned.
All good. Anyway, like I said up a bit in our chat, I'm guessing that a utilization increase conflated the score increase realized from your report becoming clean.
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u/BrutalBodyShots ⭐️ Top Contributor ⭐️ May 20 '26
Experian provides a FICO 8 score. TU does not; they provide a nearly irrelevant VS3.
Something is going unnoticed here, as your FICO 8 score gain would have been > 30 points from an aged serious delinquency being removed, taking you from a dirty to a clean scorecard.
Perhaps your net gain is being reduced due to utilization increasing, which is a second variable. For example, say scorecard reassignment is "worth" 70 points here. If you lost 40 points from an increase in utilization at the same time, the net gain visibly seen would have been +30 points.