THD Credit Consulting

What you should know about TransUnion and your FICO score

Erik Kaplan

Erik Kaplan

Erik is the CEO and Founder of THD Credit Consulting

While we hope to answer all your questions, this month we are focusing on two we are frequently asked.  

Q:  Why is my score always lower with TransUnion?

THD Expert:  TransUnion uses a different scoring model than Experian and Equifax.  Your credit score depends on if all your creditors are reporting to TU or not. Each creditor has the right to decide (a) if they are going to report data (b) who they report to (c) the date each month they send their reports. Since each bureau charges creditors for the right to report to them, not all creditors use all three.  

Q: How do I begin to bring my fico scores up?

THD Expert:  While this is a complex question and we typically have different strategies for each customer, this is the foundation for good credit.


  • Pay your bills on time.  Timely payments have the most significant impact on your credit scores.
  • Keep your credit utilization low. Use no more then 30% of your available credit at any given time.
  • Take it easy on applying for new credit. New inquiries can knock points off your score.
  • Use credit responsibly. Aim for a mix of revolving credit lines and installment loans.
  • Be careful about closing old accounts. The longer your credit history, the more your score benefits.

THD Credit Consulting is here to help clean up your credit report, rebuild your credit and educate you to maintain it for the rest of your life.  

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