Credit Card Center Advertiser Disclosure

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

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.





Valued Contributor
Posts: 1,884
Registered: ‎09-20-2011
0 Kudos

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
Posts: 2
Registered: ‎03-18-2013
0 Kudos

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
Posts: 6,279
Registered: ‎08-16-2012
0 Kudos

Re: Incorrect Lender Pull?

BOA pulls EXP here in Tx!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 351
Registered: ‎01-07-2012
0 Kudos

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 |

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.