Is there a "Real" score I can see before I apply for a card?

[Reighn9]

I monitor my credit regularly through several services that provide me reports, alerts, and scores. Some admit it's a pumped up "educational" Plus score which I haven't figured out what the benefit is, but some claim to be a "true" FICO. Whatever I get is nothing like what the lenders are given. On the apps I've gotten back most recently the score reported to the lender has been 30-50 points lower than the scores reported to me when I checked my own FICO scores before I made any applications. There is even a greater discrepancy with the "Plus" scores. Still don't know what they prove.  How can I find out what the lender is going to see? I also have gotten 3 different scores from the same reporting agency at the same time. How does that happen?  What good is it to monitor your credit and score if you can't see what the lender sees until you have been declined?

[Anonymous]

Dont waste your time with credit karma... credit sesame... those are fako scores.. here w\hen you sign up it gives you your true fico!

For example credit karma says i have 700 cs but real fico is 740  all accros 

[Anonymous]

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@Reighn9 wrote:

I monitor my credit regularly through several services that provide me reports, alerts, and scores. Some admit it's a pumped up "educational" Plus score which I haven't figured out what the benefit is, but some claim to be a "true" FICO. Whatever I get is nothing like what the lenders are given. On the apps I've gotten back most recently the score reported to the lender has been 30-50 points lower than the scores reported to me when I checked my own FICO scores before I made any applications. There is even a greater discrepancy with the "Plus" scores. Still don't know what they prove.  How can I find out what the lender is going to see? I also have gotten 3 different scores from the same reporting agency at the same time. How does that happen?  What good is it to monitor your credit and score if you can't see what the lender sees until you have been declined?

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If you have an AMEX, BofA, or Discover I believe the scores they all offer are true FICOs. If not, you can pay one, or all, of the credit bureas for your reports/scores

[Anonymous]

If you really want to know your FICO scores, do it from this site and get all 3 scores.

[Reighn9]

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@Anonymous wrote:

If you really want to know your FICO scores, do it from this site and get all 3 scores.

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I had all 3 scores from this site, this is one place I also check regularly and the scores returned to me were much lower this time.  I have Discover which gives me a TU FICO score and a Barclaycard Arrival which gives me a different TU FICO score. AMEX doesn't doesn't give me any scores but their credit monitoring service only gives me exaggerated eduational scores.  Every time I have paid for a score from a reporting agency, it hasn't resembled what the lender received either, or at least what was sent to me.              

[CreditCuriosity]

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@Reighn9 wrote:

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@Anonymous wrote:

If you really want to know your FICO scores, do it from this site and get all 3 scores.

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I had all 3 scores from this site, this is one place I also check regularly and the scores returned to me were much lower this time.  I have Discover which gives me a TU FICO score and a Barclaycard Arrival which gives me a different TU FICO score. AMEX doesn't doesn't give me any scores but their credit monitoring service only gives me exaggerated eduational scores.  Every time I have paid for a score from a reporting agency, it hasn't resembled what the lender received either, or at least what was sent to me.              

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Barclay's and Discover are TU08 score Fico's, they will match this site.  Your score is a changing thing and can swing several times within a day if the circumstances are right.   So things changed on your credit profile being TU when you got your Barclay or Discover score as those should match and in-turn those should match this sites TU score if they were all pulled at the same date / time..

[Anonymous]

Also keep in mind the many lenders, like Cjphase for example, have their own internal scoring system and their scores won't match exactly what you are given.  The ones given here or any FICO 08 score are going to be your best guide as to whether you will be approved or not.  However, scores are just part of the picture.

[Anonymous]

It also helps to know which FICO a CC company will pull. OP: there's a bunch of threads on here with that information, and if you can't find it I'm sure if you ask which lenders pull which file people will tell ya

[NRB525]

FWIW, I have checked the various Reasons Letters I've gotten over the past few months vs the score that MyFICO displayed with the same CRA on the same day.

They always match or are explainable by timing / changes around the same time.

Thus, going forward I am using only MyFICO as the baseline of how my credit scores are doing.

[juggalo9er]

in theory if you applied for a 25k loan through lendingclub.com and put $1 for income it would auto reject your application with a soft pull and give you fico 04 score.....this is frowned upon however and was only said for educational purposes