Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
Re: It is so irritating when the lender doesn't know which version of the score used!

MarineVietVet wrote:

Booner72 wrote:

Got the truth in lending - Says my Equifax FICO score is 647, nowhere does it give any clue on which FICO version.  So it's either cc enhanced or EQ 08?


They approved me for only 1000.00, but that's better than 300 any day of the week.  She said they said  to do a "hard close" which the CU lady said meant to tell me NO MORE NEW CREDIT!!!!!!!!!!!!!!!!!!!


I guess I have to go join that garden party. 

Could be CC enhanced, could be EQ Beacon 5.0 like is sold here, could be the latest EQ (Beacon 9.0).


It can be maddening trying to know exactly what is pulled by whom, when, where, and why.  Smiley Happy




From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".




 Hi, MV.  I know it's not EQ 5.0 bc I got a SW alert before I went in and I was at 633.  The form that says my score is 647 also says "EQUIFAX"


STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720