topic target denial in Credit Cards

target denial

tiffo02 — Fri, 12 Apr 2013 13:04:44 GMT

Ok so this site is supposed to be tge real credit score that the lenders use right? Someone pls tell me why this site says my score is 646 but target denied me and said my score was 596. They are both equifax credit scores

Re: target denial

Rackham94 — Fri, 12 Apr 2013 13:12:06 GMT

Did Target send you a letter saying Equifax FICO score?

The scores on Equifax website are FAKO

Re: target denial

Burned2manybridgesB4 — Fri, 12 Apr 2013 13:41:46 GMT

OP, if you mean your score from myfico, it's a version called Beacon 5.0, that's commonly used for mortgage apps. The score commonly sold directly from the equifax site is indeed a fako.

I'm not familiar with the "redcard," so I don't know the fine points....(others that have it will jump in eventually).

It's possible that Target gave you either a card enhanced score, or an internal score, which means any past bad cc habits will affect it accordingly.

Re: target denial

Anonymous — Fri, 12 Apr 2013 16:57:11 GMT

+1, the EQ fico provided here will match what a mortgage broker would pull if both are pulled at the same time. When I applied for a mortgage in January, the EQ the lender pulled matched exactly with the EQ score provided here. Credit card companies often use a different version or they have some internal scoring algorithm that they use.

Re: target denial

tiffo02 — Fri, 12 Apr 2013 18:41:46 GMT

Well whats odd is my credit cards on my report have the most positive impact on my.report. Wouldn't that have made my credit card enhanced score even better? This credit stuff is starting to drive me bonkers

Re: target denial

Burned2manybridgesB4 — Sat, 13 Apr 2013 05:15:05 GMT

What's your AAOA, and utilization?