Valued Contributor
Posts: 1,096
Registered: ‎02-15-2012
Re: Lenders see different scores than consumers do

YMMV. When I applied for my DM card, the difference between what I had pulled here and what they told me my score was was only 1 point. (693 versus 694).  It probably depends on which bucket you fall into, and which of the bad things are on your report. I was actually surprised at the mere 1 point difference myself.

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)