cancel
Showing results for 
Search instead for 
Did you mean: 

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

New Visitor

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.

2 REPLIES
Moderator Emerita

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

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.