Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007
Re: Why big difference of Equifax Credit Score here and when I applied for a CC

Assuming nothing changed your FICO, look at the source of the CC's score. While most use a FICO, some do not. They'll sometimes use an internal score proprietary to them. If the score does mention a FICO, then make sure it also came from Equifax (e.g. make sure they didn't pull EX or TU which would be a different score). Finally, if it is a FICO and from the same CRA, then it's possible they pulled a CC-enhanced FICO which weighs your past CC experience over all other TLs.