topic What’s my real score? in Understanding FICO® Scoring

What’s my real score?

Anonymous — Wed, 16 May 2018 03:21:22 GMT

About a month ago I app’d with Discover IT and was approved. They said my FICO was 622 at the time. I’ve had a Barclay card for a few years and the previous update was 676 before my wife and I did a joint app for a car. (We were approved for a RAV4 with 0% interest.)
Now Barclay has updated and it says my score is 682. I’m so confused. I also did an app for AmEx green card and was denied with FICO score of 623.
So is Barclay way off? I did ask them for a CLI a couple of weeks ago and they approved me.

Re: What’s my real score?

Anonymous — Wed, 16 May 2018 05:00:26 GMT

Forum veteran Brutal Body Shots just wrote in a post:

There are only 3 factors that go into generating a credit score:

1 - The scoring model used (FICO 08, VS 3.0, etc)

2 - The bureau data used (EX, TU, EQ)

3 - The point in time that the first 2 pieces of data were used

If even one of those three things are different, the resulting scores could be very different. In the cases you actutally describe, at least two and most likely all three things were different.

Re: What’s my real score?

Anonymous — Wed, 16 May 2018 05:43:35 GMT

OP, I would venture to guess that the scoring model and/or bureau data being compared here and likely the point in time as well are all different.

1 - When you were approved for the Discover card, which bureau was pulled? I believe they pull a FICO 08 score (the scoring model used).

2 - What scoring model and bureau data does Barclay use? It should say somewhere on the screen where you see your score.

Re: What’s my real score?

Anonymous — Thu, 17 May 2018 05:31:29 GMT

The Amex denial score is Experian FICO 8, Discover probably pulled Equifax FICO 8 for your app and I believe Barclay provides monthly TransUnion FICO 8 for card holders. Pull all 3 for $1 at CCT, I suspect your TU is probably missing a baddie that is on the other 2.