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New Member
Posts: 2
Registered: ‎08-18-2013
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Transunion fico score big difference

I get my Transunion fico score from Merrick bank and it's pretty close to the myfico score I buy here. But I recently applied for a Barclays card and was turned down. The denial letter showed that they used Transunion but my credit score was 90 points lower than my Transunion score from Merrick bank which pulls a fico Transunion score. Why would there be such a huge difference?
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Posts: 13,897
Registered: ‎04-15-2011
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Re: Transunion fico score big difference

I'm trying to remember when I got my Barclays.  I know there was a difference with mine also, I think they use a FICO score enhanced with their own.  I'm going to move this over to CCs, they would probably know a little more.

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Contributor
Posts: 82
Registered: ‎07-17-2013
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Re: Transunion fico score big difference

I was under the impression Barclay's uses the TU 98 which is the same as the one sold here, it shouldn't be a difference. Were both scores around the same time, maybe a change in balances?
New Member
Posts: 2
Registered: ‎08-18-2013
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Re: Transunion fico score big difference

Nothing had changed. I had checked my TU fico score and then applied for a Barclays card. I was really surprised that it was 90 points lower on the denial letter. I just don't understand why.
Frequent Contributor
Posts: 389
Registered: ‎09-07-2009
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Re: Transunion fico score big difference

My TU Fico here had a 17 point difference from my Merrick Score. My TU here was 656 yet Merrick shows 671. I know Merrick shows a range of up to 900, and Fico here is 850??
My current scores: MyFico- EQ: 8/13- (648), 8/13- EX (637), Wally TU (666)

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Frequent Contributor
Posts: 271
Registered: ‎02-10-2013
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Re: Transunion fico score big difference

The score Merrick offers is a bankcard enhanced one, I believe. 

 

However, your score from MyFico should have matched Barclays since (based on what others have indicated) they pull TU98.

Regular Contributor
Posts: 164
Registered: ‎08-03-2013
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Re: Transunion fico score big difference

There was about 25point difference on mine. Barclay was lower than myfico. Pulled same day

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Contributor
Posts: 82
Registered: ‎07-17-2013
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Re: Transunion fico score big difference

I'm really surprised with the differences.
Super Contributor
Posts: 9,030
Registered: ‎06-19-2013
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Re: Transunion fico score big difference


TXinandout wrote:
I'm really surprised with the differences.

My Walmart tu and myfico tu scores are over 100 points different so I can understand the shock of different scores 



EX Fico 774 3/3/15 Fako 806 CS/Credit.com 11/24/14
EQ SW bank enhanced 5/26/15 827 CK fako 807 5/11/15
TU Fico Barclay's/Walmart 7/6/15 799 Fako 808 Creditkarma 5/11/15
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Contributor
Posts: 82
Registered: ‎07-17-2013
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Re: Transunion fico score big difference

Those I'm surprised to a certain point because TU Fico 98 and 08, I knew the differences even though 100 pts is a lot. But Barclay's is supposedly still using the TU 98 modeling Fico score.
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