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29 points discrepancy between myFICO TU and GE pulled TU

Regular Contributor

29 points discrepancy between myFICO TU and GE pulled TU

Guys,

 

I just received a denial letetr from GECRB in which it lists my TU score of 679 pulled on November 19, 2012.

 

I remember I pulled myFICO TU on this same date (I checked checked myFICO account to confirm the report & score date) and the score was 650. I was a bit disappointed but I decided to call GE anway immediately to ask for a CLI on my Paypal SmartConnect. Got approved from $900 to $2000. The rep asked me "what else can I do for you", so I tested my luck and asked for double the granted amount which obviously got denied, hence the letter I got today.

 

Question: why 29 points difference from the same CRA, pulled almost at the same time?

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Message 1 of 3
2 REPLIES
Frequent Contributor

Re: 29 points discrepancy between myFICO TU and GE pulled TU

Probably a combination of two factors.

1. Different scoring models. myFICO uses TU98 model, most lenders use TU04.

2. Different variant of scoring model, ie auto-enhanced, insurance-enhanced, credit card-enhanced



09/30/2017 - EX 811 (Credit Scorecard EX FICO® Score 8, range 300-850)
11/20/2017 - TU 842 (Discover TU FICO® Score 8, range 300-850)
10/24/2017 - EQ 845 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 2 of 3
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Established Contributor

Re: 29 points discrepancy between myFICO TU and GE pulled TU


brother7 wrote:

Probably a combination of two factors.

1. Different scoring models. myFICO uses TU98 model, most lenders use TU04.

2. Different variant of scoring model, ie auto-enhanced, insurance-enhanced, credit card-enhanced


^ This 

 

besides myfico = TU98

GECRB = TU08   

Mortgages/Car loans = TU04 no way to buy or have access to TU04 without apping to my knowledge


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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