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Confused as well. Scores 604 644 704

New Visitor

Confused as well. Scores 604 644 704

It's taken a year but according to myfico my scores are 604 644 and 704. I recently applied for a credit card and was denied. The company checked my score and they said it was 499! Who do I believe?
Message 1 of 4
3 REPLIES
Regular Contributor

Re: Confused as well. Scores 604 644 704

are those 604 644 704 scores from myfico.com?

Started January 2013 in the lower 500s
Scores (as of January 2014) Equifax 630 | Experian 646 | Transunion 674
With the help of you all; I am working my way to the 700 club!
Message 2 of 4
New Visitor

Re: Confused as well. Scores 604 644 704

Yes the scores are from myfico.com as of last week.
Message 3 of 4
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Valued Contributor

Re: Confused as well. Scores 604 644 704


gcjs1962 wrote:
Yes the scores are from myfico.com as of last week.

If you have a 100-point difference, and they're all from this site, that suggests different information across the reports.

 

If you haven't already done so, I'd suggest checking the reports for accuracy, and doing whatever you can about derogatories.

 

As far as the 499 score goes, a lender may be using their own formula, possibly with a different reference range than FICO scores.

 

It's not meaningful to compare scores based on different formulas, or with different reference ranges.

 

Message 4 of 4