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Scoring Question: My Fico Transunion vs Transunion vsTransunion that creditor pulled

Established Member

Re: Scoring Question: My Fico Transunion vs Transunion vsTransunion that creditor pulled

But if My Fico is the score that "creditors" use why was the score pulled at 607 and not 685?

 

My Fico sells scores as well and it appears all my creditor or lender pulls clearly are not using My Fico as the score to give or deny credit.

 

So how do I know when "my score" is good enough to apply for credit?

Starting Scores 11/2012
EX 521 EQ 559 TU552

8/1/2013
EX 544 EQ 637 TU 685
Message 11 of 12
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Super Contributor

Re: Scoring Question: My Fico Transunion vs Transunion vsTransunion that creditor pulled


gmac11 wrote:

But if My Fico is the score that "creditors" use why was the score pulled at 607 and not 685?

 

My Fico sells scores as well and it appears all my creditor or lender pulls clearly are not using My Fico as the score to give or deny credit.

 

So how do I know when "my score" is good enough to apply for credit?


i belive myfico uses tu98 for thier fico scoring, and i am not sure an lot of lenders use that system? Correct me if i am wrong 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 12 of 12