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I recently applied for an apartment and was prepared to receive a lukewarm response based on my score, which on myFico is in the 660s. But I was told by the realtor that the score came back in the high 720s. It was a pleasant result, but confusing just the same. I just got an updated myFico score to see if anything had changed with it -- nothing had, still in the 660s for equifax and 680s for tu.
I'm of course aware that most times the disparity in consumer and lender reports is a negative one -- i.e., the actual score is lower. In my instance it seemed to happen in the inverse direction. Can anyone offer any clues, thoughts to what might be at play?
It's always possible that the property manager uses a non-FICO score. There are some rental-based scores out there. Seems like Experian runs a popular one, and is based on your rental history which really doesn't report to your reports.