@shane82388 wrote:Another thing to note...it says the scores calculated use a range of 100 to 900....doesnt sound like a normal fico to me? would it still create a hard pull on one of my reports?
You're talking about two different things. 
First of all, lenders pull a credit report when you apply for new credit. They're required to do this per the terms of their agreements with the credit bureaus, and also, they need to look at your report and figure out if you're someone that they want to do business with.
Secondly, most lenders will also use some sort of risk score, which attempts to boil down what's in your credit history and assign a number that measures your risk of future default. Maybe they use a FICO, maybe they use a Vantage, maybe they use a home-grown score formula. Whichever score version they use, it crunches the info on your credit report --the one that they pulled --and spits out a score.
So yes, they most certainly did pull a credit report. And as for the score, from the score range that they gave you, I think it might be a Chase home-grown score.
So no FICO score was generated, but one of your reports now has a hard inquiry.
Scores =/= (that's supposed to be a "does not equal" sign) reports. Two related but different things.
