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New Visitor
jc81184
Posts: 2
Registered: ‎03-18-2013
0

Incorrect Lender Pull?

Hi everyone,

 

I have better credit scores than I originally thought (681 Trans - pulled today, 725 Equifax - pulled 3/8/13). One of the biggest items bringing my scores down is the lack of revolving credit history. I have no credit cards, never have.

 

Every site I've used suggests at least having a credit card in order to improve my score/have better success acquiring a mortgage in a few years.

 

I applied for a Best Buy card and received a declined notice in the mail. They claim their pull on 3/10/13 resulted in a 323 score from Transunion.

 

Do you think they just looked up the incorrect SSN? I'm not sure what to do - I'm hesitate to apply for any additional cards if there's no chance of approval.

 

Both scores referenced above were pulled here, on MyFico.

 

Any advice would be appreciated.

 

Thanks,

 

Joey

Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011
0

Re: Incorrect Lender Pull?

That's not a FICO score, FICO doesn't go that low.  That's some junk internal score they use. 

New Visitor
jc81184
Posts: 2
Registered: ‎03-18-2013
0

Re: Incorrect Lender Pull?

Great to know! Freaked my out for a second.

 

Any good major CC's I can open that utilized Experian as a benchmark?

 

It's kind of BS that they're utilize 'internal scores. How am I supposed to keep tabs on that?

Senior Contributor
youngandcreditwrthy
Posts: 6,155
Registered: ‎08-16-2012
0

Re: Incorrect Lender Pull?

BOA pulls EXP here in Tx!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
nwokcguy
Posts: 351
Registered: ‎01-07-2012
0

Re: Incorrect Lender Pull?

Probably some kind of credit card enhanced FICO they use internally.  Probably won't get a major with no CC history but you could look into a Cap One for Newcomers or use a local credit union.


| EQ 763 |
| Amex BCE 7500 | Marriott Rewards Premier 5500 | Citi Simplicity 4000 | Discover IT 1700 |


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