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New Member
atbyrd
Posts: 7
Registered: ‎07-11-2012
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How Accurate is Lending Club score

[ Edited ]

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?

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pizzadude
Posts: 9,157
Registered: ‎01-28-2010
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Re: How Accurate is Lending Club score

 

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 ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
New Member
atbyrd
Posts: 7
Registered: ‎07-11-2012
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Re: How Accurate is Lending Club score

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

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pizzadude
Posts: 9,157
Registered: ‎01-28-2010
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Re: How Accurate is Lending Club score


atbyrd wrote:

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.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007
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Re: How Accurate is Lending Club score

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


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