TU score purchased here on myfico is 662 as of 3/15/2013. I got denials today from Walmart and Amazon (both store cards) in which they say my TU score is 526 (range is 300-850) as of 3/13/2013.
The denials I can understand - I have 12 months before my Ch13 discharge and only have 1 CC (BofA secured) which I was just approved for on 3/14 and haven't used yet (therefore no recent revolving activity). But the TU score of 526 alarms me. Do CCs use a different score system from the one myfico uses? And if so, which score should I consider to be more of an "official" score?
The denials I can understand - I have 12 months before my Ch13 discharge and only have 1 CC (BofA secured) which I was just approved for on 3/14 and haven't used yet (therefore no recent revolving activity). But the TU score of 526 alarms me. Do CCs use a different score system from the one myfico uses? And if so, which score should I consider to be more of an "official" score?
Ch13 filed 3/2009 : discharged 1/2014
Apologies if I didn't search myfico enough to find more info. I found a couple of related threads from a while ago but I think the scoring criteria in those denials has changed.
Also, apologies if I posted this in the wrong forum - maybe it belongs in Credit Cards?
Also, apologies if I posted this in the wrong forum - maybe it belongs in Credit Cards?
Thanks guiness. I guess all I can do now is use/pay the one card I now have, and hope to see all the scores collectively improve over time.