Wrong score from app

[squirrely2005]

Anybody ever applied for a card and been told the score they pulled was different from what you know it is? Like you checked it right before you applied. Whether it was higher or lower. 

[pizzadude]

This happens all the time because many times it is very hard to know which type of score is being used by creditors. Many are using newer versions of FICO® that we can't purchase. Or they might be using FAKO scores.

Unless you know exactly what scoring model they are using it will be an apples to oranges comparison.

[squirrely2005]

Well I knew which one. But it would be pretty ridiculous if it was a score that I wasn't even able to. That would really be annoying. 

[LS2982]

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@squirrely2005 wrote:

Anybody ever applied for a card and been told the score they pulled was different from what you know it is? Like you checked it right before you applied. Whether it was higher or lower. 

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More than likely when this happens the creditor is using their own "in-house" score rather than a FICO score.

[GregB]

About the only time you would know the exact score the lender is using AND be able to pull that score yourselft would be on a mortgage where you know the exact score version for each of the three CRAs.

Otherwise, you are only going to be able to get a similar score.

What lender? Complete info that they provided about the score? What credit score did you pull?