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Member
gettingitdone
Posts: 7
Registered: ‎04-05-2013

MyFico score vs. Prosper Score vs. Lendingtree

My Myfico score shows me to have a score of 642.  I know you need a 660 or above to try for a Lendingtree score, but I figured I'd see what happened since they onlydo a soft pull.  Naturally I was declined, but then I got a real shocker from both Lendingtree and Prosper.

 

myFico score: 642

Prosper score: 535

Lending Tree score: 594 

 

Now my credit is not perfect, but I recently got approved for a new credit card.  So when my scores came back this low, I was shocked and somewhat disappointed.  5 years ago I had an auto repo, which I am currently paying off and am almost done with.  I just need a small loan to finish out the rest ($3300).  The last three years of my credit report have been pretty clean with no late payments on  my original credit card(with 46% utlization and going down). Last late payment on anything was 3+ years ago.  I have two credit card accounts in good standing.  I have a student loan account in good standing as well.  I have 2 accounts that have been paid off and settled in full all from that same period in time where I had the repo. Now I am just waiting for everything to roll off.  

 

So why are the numbers so different?  I was going to try for a loan from my bank(TDBANK) but now I am not so sure...  This is the last peice of my bad credit history puzzle and I want it gone.  Worst comes to worse I will continue paying it off like I have been.  Any suggestions or reasoning to all this madness and confusion?  Thanks in advance!

 

 

 

 

Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: MyFico score vs. Prosper Score vs. Lendingtree

[ Edited ]

gettingitdone wrote:

My Myfico score shows me to have a score of 642.  I know you need a 660 or above to try for a Lendingtree score, but I figured I'd see what happened since they onlydo a soft pull.  Naturally I was declined, but then I got a real shocker from both Lendingtree and Prosper.

 

myFico score: 642

Prosper score: 535

Lending Tree score: 594 

 

Now my credit is not perfect, but I recently got approved for a new credit card.  So when my scores came back this low, I was shocked and somewhat disappointed.  5 years ago I had an auto repo, which I am currently paying off and am almost done with.  I just need a small loan to finish out the rest ($3300).  The last three years of my credit report have been pretty clean with no late payments on  my original credit card(with 46% utlization and going down). Last late payment on anything was 3+ years ago.  I have two credit card accounts in good standing.  I have a student loan account in good standing as well.  I have 2 accounts that have been paid off and settled in full all from that same period in time where I had the repo. Now I am just waiting for everything to roll off.  

 

So why are the numbers so different?  I was going to try for a loan from my bank(TDBANK) but now I am not so sure...  This is the last peice of my bad credit history puzzle and I want it gone.  Worst comes to worse I will continue paying it off like I have been.  Any suggestions or reasoning to all this madness and confusion?  Thanks in advance!

 


The scores from myFICO are FICO scores and of course you only have the option from TransUnion and/or Equifax.

 

IIRC, Prosper.com pulls Experian vs. EQ or TU. They also use (or used) a non-FICO score called a ScoreX-Plus score which factors in stuff that FICO does not and vice-versa. And of course you really can't compare a FICO with a FAKO yet alone two different CRAs.

 

I don't know what LendingTree uses. I applied with them many, many years ago and it was a FICO then but I'm not so sure now. Do you know which CRA they pulled? ETA...did they provide a score range?

 

 

Member
gettingitdone
Posts: 7
Registered: ‎04-05-2013

Re: MyFico score vs. Prosper Score vs. Lendingtree

Lending tree pulled transunion and offered a score range of 300-850. Thanks for your reply.
New Contributor
avigeant83
Posts: 56
Registered: ‎11-06-2012

Re: MyFico score vs. Prosper Score vs. Lendingtree

Hate to jump in but to get your TU Fico score, trying lendingclub.com

Member
gettingitdone
Posts: 7
Registered: ‎04-05-2013

Re: MyFico score vs. Prosper Score vs. Lendingtree

Thanks for jumping in. I just realized I was putting lending tree, when I did indeed use lending club. Sorry for the confusion. I have researched so much lately that it starts to blend together.

So Lendingclub gave me a score of 594 through transunion.

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