I apped for both on Same day. Disco approved 7.4K SL and BoA denied. Both pulled Experian and Disco pull showed 685. BoA Denial letter says 654...they were done within a couple hours of one another. Called BoA and they said denial was due to recent late on a student loan...5 months ago. Although is current.
How can same day pulls have such different numbers? Also I subscribe to Experian monitoring and there was no drop in my score. I get instant notifications.
Maybe different specific Experian scores - like 8 vs 2 vs 9, standard vs Bankcard, etc? Congrats on the approval!
FICO 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until fall 2021. Cards
Authorized user / Corporate / Auto loan
Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Goals: Late 2020 - Ducks Unlimited card; scores in high 700s with inquiries aging. Long-term goal - Prime rate mortgage; able to qualify for most standard credit products.