10-25-2013 04:25 PM
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 .
10-25-2013 06:04 PM
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.
10-25-2013 08:05 PM
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 .
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