Established Member
Posts: 1,573
Registered: ‎08-30-2011
Joined the 800 club...sort of...

I've been looking at a refi of a loan I have with Key Bank, originally was a home improvement loan.  I called them, got the process started, they sent me an email of all the things I need to provide to get the ball rolling.


Yesterday in the mail, I got information packets from Key Bank, including a copy of the credit pull they did.  Says my score is 803!!!  I does NOT however, say specifically  this is a FICO score, but they do use the FICO score range of 300-850 in their report, and state that it was a direct pull from Equifax.


Today, I get a ScoreWatch alert, indicating that my Equifax score has increased.  I log on, and it shows that my score is 767 here, an increase from the 749 it was yesterday.  I have paid down some balances, utilization is only 7%, credit limits totaling around $75K (not including hidden TL from JP Morgan Select), pristine report with no negatives at all.  I did apply for, and got an AMEX Gold card, and it backdated to 1991 (joining my other 2 AMEX cards).   Could this be a factor?


So, which score is more likely closer to correct?  I'm aware that TU has various models, does Equifax as well?  Of course, I'm pleased with both scores, even moreso the 803, since my refi is being based on that score and I'll get the most favourable terms and rate. 

EX = 828 EQ = 846 TU = 833 as of 02/2016
Retired and Retiring Cards!