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Posts: 1
Registered: ‎03-20-2014

Different credit scores on myFICO than on a credit card denial letter?

I recently applied for the Barclaycard Rewards Card for Average Credit and was denied. In the letter I received in the mail it said my Experian score is 648 but my Experian score on myFICO as of yesterday (03/19/14) was 667. Which is the accurate score? Theres no way my score increased due to a hard pull in 7 days.

Posts: 27,207
Registered: ‎09-13-2012

Re: Different credit scores on myFICO than on a credit card denial letter?

Both scores are accurate.  Lenders can use different models ie bankcard enhanced for their UW.

Valued Contributor
Posts: 1,794
Registered: ‎07-01-2010

Re: Different credit scores on myFICO than on a credit card denial letter?

The EX on this site is EX 08.


I don't know which version of EX Barclay pulled, but if it's not EX 08, then it likely won't match.


Or if there is a time lag between the two score calculations, then they may not match.


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