quicken loans pulled a way lower score? Help!

[Tierra399]

I finally thought I was able to get a mortgage. I have been monitoring my credit for the past year. Transunion shows 703 and equifax 655. I called quickenloans to pull my credit and my score was 602, how is that possible? Any idea what kind of system they are using to pull credit? I'm not sure what the next step would be, I have nothing left on my credit but medical bills and T-Mobile for 600$. Any advice and help is much appreciated! Is there any other companies I can try?

[pizzadude]

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@Tierra399 wrote:

I finally thought I was able to get a mortgage. I have been monitoring my credit for the past year. Transunion shows 703 and equifax 655. I called quickenloans to pull my credit and my score was 602, how is that possible? Any idea what kind of system they are using to pull credit? I'm not sure what the next step would be, I have nothing left on my credit but medical bills and T-Mobile for 600$. Any advice and help is much appreciated! Is there any other companies I can try?

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Where did you pull your scores, from myFICO ?   Is the 602 your EX, EQ or TU score?

[Tierra399]

I have a transunion account where I pay monthly to view my scores. I also have a Walmart account.

[Tierra399]

Also she didn't tell me which credit union was showing the 602.

[pizzadude]

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@Tierra399 wrote:

I have a transunion account where I pay monthly to view my scores. I also have a Walmart account.

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The TU score is a FAKO score, as they do not sell FICO scores at the TU website.

Also, I believe that the Wally score might be a bankcard enhanced version, rather than the classic FICO score.

[pizzadude]

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@Tierra399 wrote:

Also she didn't tell me which credit union was showing the 602.

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Since this is for a mortage, you should receive a copy of the FICO scores they pulled.   I'd call and ask if they can tell you over the phone.

[Juss11]

What did your walmart score say it was? Im pretty sure they use Fico 08. I also get that score & mine is always way lower than the trans I get from this site. As other poster said, the one you get from trans web site is not  fico score.

[Tierra399]

Walmart shows 655.

[Tierra399]

Good to know. I'm going to cancel my tranunion account to save some money since it is not even a real score.

[Juss11]

I think I read that Lenders are starting to use the fico 08. The posters on the credit card form, say the walmart score is transunion 08