@nvrgvupnvrsrndr wrote:
I posted this in another forum but haven't received any responses. I realize the Experian FICO score model most creditors pull is different than what is purchased here but "on average" what kind of score difference are most experiencing?
It can go either way. When talking about credit card approvals, I suspect most of the major lenders are on a Bankcard-enhanced pull, which weighs things differently than the baseline pull found here. It's hard to predict in this case, though someone with both a Wally and Merrick Bank TU score (baseline and bankcard respectively on TU'08) could likely provide information, but we'd need a ton of details and a lot of anecdotal responses.
End of the day it's probably what we surmise anyway: Bankcard-enhanced likely puts more weight in the scoring of revolving tradelines than installment loans, and there's likely some factors in scoring as well, vis a vis my bogey is a pair of tax liens, and that *might* lead to a prediction that I'm less likely to default on a credit card than someone with charge offs on their record.
