While the OP scores are a head bangers and as mentioned more likely a split file
meaning that someone only has partial info while another has closer to a full file
that ones requires research on what and how data is being recorded, period
But for
@Anonymous wrote:
My situation was not exactly like yours as it was not the same bank but I applied for, and was denied for, both a USAA Visa card and a Wells Fargo Visa card within minutes of each other. When I got the adverse action notices in the mail, both showed my Equifax score as 637 and 647.
I also applied for a Discover IT the very same day and that denial letter showed my Equifax score as 586.
My Equifax score as per CCT is 587 and has been right around there since September of 2015. It's my only score that has not really moved since I started watching it. Hey, I would gladly accept either 637 or 647 but I have no idea why the scores that creditors use vary so much. There is a huge difference between 586 and 647. Right now, getting above 640 across the board is my goal. I'm at 587-607 according to CCT.
this is a way more common situation...
Vendors have the option of ordering different models that weight the exact same info differently sometimes slightly hence a varience of 637 to 647 (which is WAY common) at other times even more....
Ex: Some vendors may use a generic Eqx.....while another wants the National Bank card specific model and yet another wants the enhancement of 'weight' to be 3 years vs 5 years....
Trust me very frustrating for clients and vendor sales ppl (been there) I've seen siutions where a person can finance a house, a diamond but can't get enough points on the model the alarm company uses to be approved for a stinking alarm contract....
At times, I've had to explain to a homeowner that yes we can finance the freaking room addition and the roof but ADT and DishNetwork say no go for the alarm and the B.S. satellite dish, as the homeowner's wife pulls in, in the newly financed BMW
Scoring models can be like a person falling in love with theit i-phone 4 and not giving a crap about the 'new' model/version they want to stick with what works, what got them there ...and guess what the vender can use whatever model they choose, whatever they are comfortabe with.....
This is why I laugh when folks talk about 'well the NEW model is gonna'....the 'new' ain't gonna do snit until a large amount of folks abandon what they are comfortable with to take a chance on the 'new' way to vet 'risk'....ppl are always slow to change in general but a lendor who has history and data using what their used to being comfortable with smething 'new' where they won't have 'real' in the field data for years yeah, right they'll 'try' the new snit using their MONEY ...yeah that's funny.
That's why the Vantage score hasn't 'popped' yet...c'mon the data is collected by the same data collectors but banks are used to Fico...Vantage can have all the graphs and number crunching they want the lending industry says 'yeah, we'll let somebody ELSE bet their farm on the 'new' slick kid on the block we'll stick with this old stuff we know but it's mighty pretty..........
