08-02-2012 10:13 AM - edited 08-02-2012 10:13 AM
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?
08-02-2012 10:21 AM
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 ?
08-02-2012 10:29 AM
It does not state whether or not it is a FICO. Just says that it was pulled from Transunion.
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.