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Regular Contributor
pt2005
Posts: 129
Registered: ‎10-12-2012
0

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: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300
Frequent Contributor
brother7
Posts: 380
Registered: ‎02-06-2009
0

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


11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
12/08/2014 Current - TU 823 (Walmart MasterCard TU FICO 08 Classic)
GOAL - 800! - App free since 09/07/2014
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

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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