topic Re: My Fico EQ vs PENFED EQ in General Credit Topics

My Fico EQ vs PENFED EQ

Anonymous — Mon, 01 Feb 2010 20:22:36 GMT

Pulled EQ from My Fico on 30 Jan 10 and it showed my score as 739.

Went to PENFED (work in Pentagon) branch today for a a loan product. I asked what my score was

and the CSR told me that my score was 791 and that it was VERY good.

Now I am really confused. Happy but confused...

Re: My Fico EQ vs PENFED EQ

newstart2010 — Tue, 02 Feb 2010 15:47:43 GMT

hehehehehe enjoy it. how often does something confusing go our way?

could it be that it just hit all of your accounts at the right time for utilization, maybe some iquiries ahve dropped off, or something old and bad is gone. I do not know your history well enough to pass conjecture too much, but nice jump!!

Re: My Fico EQ vs PENFED EQ

Lel — Tue, 02 Feb 2010 16:38:00 GMT

What kind of loan product are you seeking?

There are industry-specific FICO formulas in addition to the ones that you can get here. For example, EQ also vends an auto industry option score.

Re: My Fico EQ vs PENFED EQ

Anonymous — Tue, 02 Feb 2010 16:45:06 GMT

It was a CLI on my CC. A while back I had closed it but after some input from board members I called back and had it reopened. Since they have a branch in my building I just stopped in to see if the LO would give me an increase. I saw that she had my CR up and I asked

her what my score was. She said 791 and that it was very good. Then I asked which CB and she said EQ.

Re: My Fico EQ vs PENFED EQ

DI — Tue, 02 Feb 2010 17:23:05 GMT

PenFed CSR told me my EQ FICO score was 791 back in August. When I pulled my EQ FICO on EQ's website back in July it was 767.

Message Edited by DI on 02-02-2010 11:23 AM

Re: My Fico EQ vs PENFED EQ

Anonymous — Tue, 02 Feb 2010 17:27:24 GMT

Yeah, very strange. It was not like she was making it up because I saw her look down at the screen and read it to me.

I wonder if it is a PENFED credit scoring thing?

Re: My Fico EQ vs PENFED EQ

AndySoCal — Wed, 03 Feb 2010 05:32:41 GMT

There is a FICO Bankcard model this may have been what Penfed pulled.

Re: My Fico EQ vs PENFED EQ

RammaCredit — Wed, 29 Dec 2010 03:16:43 GMT

I feel the same way about the FICo scores and the score that are actually used by lenders,cause clearly they are not the same. And I just Love how the FAKO score is made to seem like it is some type of virus but in this situation the FICO is a FAKO. Thats a big difference in your scores. if there are different scoring models then we should be able to access them all. were you able to get the CLI.