Chase Freedom deny wrong score showing?

[Hootrvil]

Hi all--I have a question about a denial I got from Freedom Chase. My denial letter quoted an Equifaxscore of 619.  My fico 8 score is currently 665. Why the big difference and should I call and see if they will review? 

Thank you!

[crrredit]

The version of your FICO score they use is different from the version you can obtain. And it's surprising how different they can be. 

[Subang65]

Hello sorry that you got denied by Chase. Just want to let you know that Chase uses their own card risk scoring model. I recently got approved and when I received my card, my score was 40 points lower on their scoring model than on FICO 8. I was at 745 on fico 8 but came in at 706 on theirs.

[Hootrvil]

Wow that's good to know but disappointing, too.  Wasted that HP!

[meljeff1]

What was the reason for denial? You could call and request reconsideration of the app. That is what I did! My limit is low but if your ok with starting with a low limit you could probably get approved.

[notloso]

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@Subang65 wrote:
Hello sorry that you got denied by Chase. Just want to let you know that Chase uses their own card risk scoring model. I recently got approved and when I received my card, my score was 40 points lower on their scoring model than on FICO 8. I was at 745 on fico 8 but came in at 706 on theirs.

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How do you find out what score they obtained? I recently got the FU and Freedom and none had documents what score they used. I called and they stated they do not provide those scores -___-

[CAPTOOL]

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@notloso wrote:

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@Subang65 wrote:
Hello sorry that you got denied by Chase. Just want to let you know that Chase uses their own card risk scoring model. I recently got approved and when I received my card, my score was 40 points lower on their scoring model than on FICO 8. I was at 745 on fico 8 but came in at 706 on theirs.

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How do you find out what score they obtained? I recently got the FU and Freedom and none had documents what score they used. I called and they stated they do not provide those scores -___-

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The score should be on the back of the sheet where the card was attached.

[Roodog26]

I just learned of Chase's scoring model yesterday. In Jan, they scored me at 701. I've never hit 700. I was more around 640 and lower. They pulled ex and eq. Last week I got the chase FU, they gave me a 683.That actually is very close to my real scores. Ex is now 676 and eq is 682. I'm thinking the next time I app, I wait for the preapproval site to give me the best rate and offer. I actually got a higher interest rate this time, even tho my actual scores where higher than last time, but lower this time on their model.

[RonM21]

Good data for someone like myself that didn't realize Chase used their own scoring model.