Score Differences Application Denials vs Credit Monitoring Sites
Kind of new to the credit repair scene. Been working really hard on utilization reduction, opening a few new accounts and zero lates/baddies since BK7 cleared in 2/2010. So I get a denial letter that shows my score is way lower than the scores reflected on the credit monitoring sites. TU score of 645 with a denial letter on 9-30-13, but todays pull shows 707 TU. What gives?
Re: Score Differences Application Denials vs Credit Monitoring Sites
First off, those are vantage scores and are on a different range than FICO. Also, what did your lenders pull? Did they pull a FICO? An enhanced FICO or do they have their own proprietary scoring system?
Starting Score: 504 July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013 Goal Score: All Scores 760+, Newest goal 800+ Take the myFICO Fitness Challenge Current scores after adding $81K in CLs and 2 new cars since July 2013 EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.