topic Re: Lender pull vs Amex in Understanding FICO® Scoring

Lender pull vs Amex

pokerpro — Sat, 14 Jul 2012 11:46:47 GMT

how can my mortgage lender pull EX, Beacon 5 with a score of 742

Five days, mind you later

Amex pulls EX and tells me that my score is 696

???

Re: Lender pull vs Amex

pizzadude — Sat, 14 Jul 2012 14:17:11 GMT

We don't know for certain the EX FICO version that AMEX uses. It might be FICO 08, whereas your mortgage lender is pulling FICO04. Or they might be pulling a bankcard enhanced FICO model.

Re: Lender pull vs Amex

pokerpro — Sat, 14 Jul 2012 14:45:01 GMT

pizza dude

thanks for the input

the mortagage one was the 04 version. they told me

by the way - Amex are looking into my credit file after the recent denial

i dont have my hopes up, but at least i got them to take a second look