General Credit Topics

[atbyrd]

I get my score from Lending Club every month. I'm assuming its an actual FICO since it says it ranges from 300 - 850.
But yesterday I applied for a mortgage was told my TU was in 670's. Today I checked Lending Club and got 704.
Which is possibly true since my Creditkarma showed a 68 point Vantage Score jump today. Although my Transrisk scored
dropped 2 points. Anyone else have experience using Lending Club for free scores?

[pizzadude]

I'm not familar with the score that they provide ~ it might be a FICO score.   Does it say anywhere explicitly that it is a FICO score ?   Also do you know from which CRA the score was pulled ?

[atbyrd]

It does not state whether or not it is a FICO. Just says that it was pulled from Transunion.

[pizzadude]

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atbyrd wrote:

It does not state whether or not it is a FICO. Just says that it was pulled from Transunion.

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If it is a FICO score it might be a different FICO model than the Classic TU model ( FICO 04 ) pulled by your mortgage lender.    Also it's possible that the lending club could be using a bankcard enhanced FICO model.

[llecs]

OP, it's a TU FICO and is the same TU98 as on here.