topic Re: Barclay credit score? in Understanding FICO® Scoring

Barclay credit score?

Anonymous — Tue, 19 Aug 2014 20:57:24 GMT

Hey guys, so I just got my SM on the mail and the letter says my TU score at the time of approval on 8/12 was 706...but the score offered in the Barclay website when I log in says 720 and it's dated 8/15...I was under the impression this score was a TU08 score...could the score show on the letter that came with the card be a different score? Or could the score have changed that much in 3 days?

Re: Barclay credit score?

Revelate — Tue, 19 Aug 2014 22:09:03 GMT

@Anonymous wrote:
Hey guys, so I just got my SM on the mail and the letter says my TU score at the time of approval on 8/12 was 706...but the score offered in the Barclay website when I log in says 720 and it's dated 8/15...I was under the impression this score was a TU08 score...could the score show on the letter that came with the card be a different score? Or could the score have changed that much in 3 days?

Odds are it's the same score (based on FICO Open Access program guidelines), but 14 point swing isn't huge especially if there was something that changed on your report.

Possible it could be a different score, lenders do pull multiple ones and they could've presented you a different score, or they might've been using a saved report/score from some time ago which happens with some lenders, don't know if Barclays is one of them.

Re: Barclay credit score?

Anonymous — Wed, 20 Aug 2014 13:48:36 GMT

Yeah the only thing that would have changed is if they had reported the CL they gave me already as that would have brought my utilz down. Most likely some different model they used. I am puzzled now...alwasy thought credit cards pulled TU08.