Reply
Established Member
tno9999
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
09Lexie
Posts: 26,624
Registered: ‎09-13-2012
0

Re: Rent Application credit check

Established Member
tno9999
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
09Lexie
Posts: 26,624
Registered: ‎09-13-2012
0

Re: Rent Application credit check

You purchased your Ex from myFICO or the Experian website?
Established Member
tno9999
Posts: 14
Registered: ‎02-26-2013
0

Re: Rent Application credit check

Both. 

Community Leader
Valued Contributor
starry1
Posts: 2,325
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: 12/22/14 TU 659; EQ 649; EX 657
Goal Score:  625 for now– New goal 675

Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $10k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / Texaco $400 (last app 09/29/14)
Established Member
tno9999
Posts: 14
Registered: ‎02-26-2013
0

Re: Rent Application credit check

None. The rent payment summary states no negative items.

Established Member
tno9999
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.

Established Contributor
tonyjones
Posts: 528
Registered: ‎04-22-2013
0

Re: Rent Application credit check

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


Gardening from July 2014 ... to September 2016
      
Moderator
09Lexie
Posts: 26,624
Registered: ‎09-13-2012
0

Re: Rent Application credit check

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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}