Valued Contributor
Posts: 1,103
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: FICO 8 = 821 EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (17.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (10.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)