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Established Member
Posts: 14
Registered: ‎02-26-2013
0

Rent Application credit check

I recentIy applied for an apartment that required a minimum score of 600.

I purchased my scores from myfico.com

EQ: 631

TU: 627

EX: 649

 

I also purchased my score directly from Experian.com, it said a 627.

 

I happily went to the property company. Spent $30 on a credit check.

My score came back a 569 from Appfolio.

 

What is going on???

Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Rent Application credit check

Established Member
Posts: 14
Registered: ‎02-26-2013
0

Re: Rent Application credit check

It is a FICO score, from Experian.

Thats why I also purchased my score directly from the Experian site to confirm.

I really didn't want to be embarrassed, so I double checked.

I've been working really hard to correct my past mistakes, this just feels like another setback.

Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Rent Application credit check

You purchased your Ex from myFICO or the Experian website?
Established Member
Posts: 14
Registered: ‎02-26-2013
0

Re: Rent Application credit check

Both. 

Community Leader
Valued Contributor
Posts: 2,413
Registered: ‎11-29-2012
0

Re: Rent Application credit check

[ Edited ]

My only guess is that this appfolio is an enhanced score specifically for rentals, though I haven't heard of that before. Have you had rental problems in the past, because that could account for why you got a lower score.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Established Member
Posts: 14
Registered: ‎02-26-2013
0

Re: Rent Application credit check

None. The rent payment summary states no negative items.

Established Member
Posts: 14
Registered: ‎02-26-2013
0

Re: Rent Application credit check

I just recently started building my credit. Im in my mid 20's and never really paid much attention to my CS. I've made great strides in fixing this. But, my few negatives are having a large impact due to my small sample size of credit.

Valued Contributor
Posts: 1,198
Registered: ‎04-22-2013
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Re: Rent Application credit check

The score you got from the experian site directly is not FICO, it's FAKO.

     
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Rent Application credit check

Exactly, the only place you can purchase an Experian FICO, is from myFICO
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