I'm new to this but from what I have seen so far are some pretty good advice. My situation is as follow, I was recently denied for a discover card because of old collection showing up on my report. During that time my equifax fico cs was 587 now here is the kicker! On the letter from discover it states that my fico cs from equifax is 645. I don't want to pull my own report as I am trying to purchase a home. Can I trust that the 645 is my new fico from equifax?