topic Re: Rent Application credit check in Understanding FICO® Scoring

Rent Application credit check

Anonymous — Sat, 19 Oct 2013 17:43:15 GMT

I recentIy applied for an apartment that required a minimum score of 600.

I purchased my scores from myfico.com

EQ: 631

TU: 627

EX: 649

I also purchased my score directly from Experian.com, it said a 627.

I happily went to the property company. Spent $30 on a credit check.

My score came back a 569 from Appfolio.

What is going on???

Re: Rent Application credit check

09Lexie — Sat, 19 Oct 2013 19:22:52 GMT

Is the Appfolio a FICO score, if so which bureau?

Re: Rent Application credit check

Anonymous — Sat, 19 Oct 2013 19:27:24 GMT

It is a FICO score, from Experian.

Thats why I also purchased my score directly from the Experian site to confirm.

I really didn't want to be embarrassed, so I double checked.

I've been working really hard to correct my past mistakes, this just feels like another setback.

Re: Rent Application credit check

09Lexie — Sun, 20 Oct 2013 02:52:13 GMT

You purchased your Ex from myFICO or the Experian website?

Re: Rent Application credit check

Anonymous — Sun, 20 Oct 2013 12:05:15 GMT

Both.

Re: Rent Application credit check

starry1 — Sun, 20 Oct 2013 12:40:43 GMT

My only guess is that this appfolio is an enhanced score specifically for rentals, though I haven't heard of that before. Have you had rental problems in the past, because that could account for why you got a lower score.

Re: Rent Application credit check

Anonymous — Sun, 20 Oct 2013 14:01:29 GMT

None. The rent payment summary states no negative items.

Re: Rent Application credit check

Anonymous — Sun, 20 Oct 2013 14:02:58 GMT

I just recently started building my credit. Im in my mid 20's and never really paid much attention to my CS. I've made great strides in fixing this. But, my few negatives are having a large impact due to my small sample size of credit.

Re: Rent Application credit check

tonyjones — Sun, 20 Oct 2013 14:38:29 GMT

The score you got from the experian site directly is not FICO, it's FAKO.

Re: Rent Application credit check

09Lexie — Sun, 20 Oct 2013 18:28:52 GMT

Exactly, the only place you can purchase an Experian FICO, is from myFICO

Re: Rent Application credit check

Anonymous — Sun, 20 Oct 2013 22:18:28 GMT

I purchased from myFico. They said my Experian was a 649. An 80 point difference from what the appfolio score said.