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Posts: 7
Registered: ‎10-28-2009
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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?


My Credit Score  Print This Page

  • TransUnion
    Credit Score707 C
  • 3-Bureau Credit Scores
    For your purchase decisions

My 3-Bureau Credit Score and GradeALL SCORES UPDATED ON 10/05/2013


My VantageScore and Grade 

707 C

How you compareYour score is higher than 25%
of other American consumers.


My VantageScore and Grade 

692 D

How you compareYour score is higher than 25%
of other American consumers.


My VantageScore and Grade 

702 C

How you compareYour score is higher than 25%
of other American consumers.



Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
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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+
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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.

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