Reply
New Member
Posts: 2
Registered: ‎01-26-2013
0

Too big of a scoring Gap

  Hello.  My score on this site shows me at 695. Good right ? No!! My  credit union did a pull today for a credit card and denied me. My Equifax score is 639. I only needed a 650 to qualify.  There is to big of a gap between reality (639 EQ) and fantasy (695 myFICO) for me to justify paying this monthly fee. I thank you all for the great info and inspiration, but I think I going to cancel .

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Too big of a scoring Gap

Did you buy a new report from myFICO on the same day your lender pulled your report? Scores can change daily. and by that much in some situations.

 

Are you certain your lender pulled a Classic, non-industry specific score? Many CC issuers use a CC-enhanced FICO which can't be purchased from anywhere.

New Member
Posts: 2
Registered: ‎01-26-2013
0

Re: Too big of a scoring Gap

   It was for a MasterCard.  The report was done by  CSC, Houston Tx. I don't know what scale they use. My credit score doesn't change much due to my low useage. I have  a $6 balance on a $300 Wells Fargo secured card. Mortgage is the only monthly expense. Maybe i'll just increase that limit to offset inquiry point drop or keep paying cash for everything .

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.