Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 614
Registered: ‎10-23-2011
0 Kudos

Re: 35pt difference from Lender pull vs. myFICO pull?

my TU FICO score was higher when pulled by Discover by 19 points vs the TU score here. Also the score I got from Discover had some collections that have since be removed so my score should have shot up some bit. I actually called Discover again the other day to review my account for CLI and the guy told me my score was pretty high but couldn't approve my CLI due to my utilization being high. He said to call back again in december and I may have a chance then as long as my utilization has decreased

Starting Score: EQ 686 10/18/11, TU 689 10/25/11, EX 685 10/11 (Amex Pull)....these are all FICO scores
Current Score: EQ 702 10/24/11, TU 689, EX 685
Goal Score: 750+

Score Update: EQ: 743 (02/03/12) TU: 741 (Walmart 01/11/12), now 761 as of 01/27/12 (Walmart), EX: 741 (Amex 01/04/12)
Take the FICO Fitness Challenge

New Contributor
Posts: 72
Registered: ‎10-10-2011
0 Kudos

Re: 35pt difference from Lender pull vs. myFICO pull?

There is definitely a variation in the scores. My last lender pull in my siggies was higher than myfico. Since the pull my GW eemails/letters faxes have been very successful. I cant wait to see what my new scores will be next month.

Starting Score:
EXP 567 (6/8/11) EQ 610 (6/8/11) TU 646(6/8/11)

Current Score:
EXP 628 (10/19/11) EQ 652 (11/13/11) TU 693 (10/19/11)

Goal Score: ALL Above 700
Frequent Contributor
Posts: 395
Registered: ‎08-11-2010
0 Kudos

Re: 35pt difference from Lender pull vs. myFICO pull?

My TU score is actually a bit higher than what the myfico score shows.  I think it is 7 points difference. 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.