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I was just denied for a CC and the denial letter listed my score at 109 pts less than what it is currently. So one of two things have occured I believe:
1. They are using a report that is a few months old, because the score listed matches what my score was back then
OR
2. They are using a bank card score and it's 109 pts less than my fico 8
I'll have to pull my EQ again in order to get all the current Fico models scores in order to get a current bank card score. Last time I pullled TU about a month ago, I lost 2 pts immediately after i ordered it from my fico.
What are the chances of me losing points when pulling a fresh EQ??? Does it count against me?
@Anonymous wrote:I was just denied for a CC and the denial letter listed my score at 109 pts less than what it is currently. So one of two things have occured I believe:
1. They are using a report that is a few months old, because the score listed matches what my score was back then
OR
2. They are using a bank card score and it's 109 pts less than my fico 8
I'll have to pull my EQ again in order to get all the current Fico models scores in order to get a current bank card score. Last time I pullled TU about a month ago, I lost 2 pts immediately after i ordered it from my fico.
What are the chances of me losing points when pulling a fresh EQ??? Does it count against me?
Check to see what score model they are using, and pulling your own report does not count against you.
Also possible they are using an internal score model. Synchrony does