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May 2004 Credit Score: TransUnion/704, Eloan/679

Contributed by mm | May 25, 2004 6:23 AM PST

I continued to be amazed by the way both credit scores differ, and this month the two scores move in opposite directions: in the past month, TransUnion reported my score is 4 points lower, which Eloan reported my score to be 4 points higher.

  TransUnion Eloan Difference
September-03 686 636 50
October-03 686 663 23
November-03 686 650 36
December-03 673 649 24
January-04 689 673 16
February-04 695 684 11
March-04 697 691 6
April-04 710 675 35
May-04 704 679 25

Actually, before getting the scores, I thought my scores will change quite significantly. Why? In the last few weeks, I have complete refinancing and applied for two credit cards (Fidelity Investment Rewards Card and Amex CostCo card). On the other hand, I paid off most of the revolving balance in my ShareBuilder card (0% APR anyway) to see if it can improve my credit score.

From the details both services provided in association with the credit score, I can see probably both picked up my additional credit inquiries, but only Eloan reflected my lower revolving balance. Probably this is the reason why my Eloan score inches up despite more credit inquiries.

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