I know I'm furious.  I was denied for Care Credit today (applied to take care of some emergency dental bills) and my TU score was 498 when myfico has been telling me its 533.  Waste of money is all it is.

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Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 05/19/13 TU 600; EQ 625; EX 610 fako
Goal Score:  625 for now– New goal 675

Cap1 sec $250 / FP $300 / Fingerhut $300/ NFCU nRewards $500 (last app 3/11/13)