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Score Differences Application Denials vs Credit Monitoring Sites

Member

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

TransUnion

My VantageScore and Grade 

707 C

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

 
Equifax

My VantageScore and Grade 

692 D

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

 
Experian

My VantageScore and Grade 

702 C

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

 

 

1 REPLY
Moderator Emeritus

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.