topic Re: Leander pull vs. direct pull score in Understanding FICO® Scoring

Leander pull vs. direct pull score

hoping2rebuild — Mon, 28 Nov 2011 23:57:34 GMT

I just got my EX report and score from EX and the score is higher

directly from EX then it was when it was lender pulled can someone

please explain why?

Thanks

Re: Leander pull vs. direct pull score

llecs — Tue, 29 Nov 2011 00:02:10 GMT

Because there are no FICO scores anywhere on Experian's website. Your lender would have pulled a FICO. You are comparing two different types of scores.

Re: Leander pull vs. direct pull score

hoping2rebuild — Tue, 29 Nov 2011 00:04:22 GMT

awe what a shame I liked EX's number much better it was 120 pts over what the lender pulled

Re: Leander pull vs. direct pull score

Anonymous — Tue, 29 Nov 2011 00:08:08 GMT

@hoping2rebuild wrote:
awe what a shame I liked EX's number much better it was 120 pts over what the lender pulled

There is no way for you to get an EX FICO without a lender giving it to you.

Re: Leander pull vs. direct pull score

llecs — Tue, 29 Nov 2011 00:13:21 GMT

120 is quite a bit. Good old trusty PLUS score, eh?! Some FAKOs score stuff that FICO does not and vice-versa.

Re: Leander pull vs. direct pull score

hoping2rebuild — Tue, 29 Nov 2011 03:02:03 GMT

@llecs wrote:
120 is quite a bit. Good old trusty PLUS score, eh?! Some FAKOs score stuff that FICO does not and vice-versa.

Plus is just there to tease LOL

Re: Leander pull vs. direct pull score

RobertEG — Thu, 01 Dec 2011 10:01:06 GMT

Even if you pull a true FICO score based on the same CRAs database, such as EX, and thus have identical data, the additional factor is the flavor of the scoring algorithm that was used. FICO is not a single flavor of scoring. Each party contracts with FICO to license use of a particular algorithm tailored to their needs.

The lendor probably contracts for a different version of FICO.