@_NERD wrote:
@Jnbmom wrote:
@GZG wrote:perhaps the Ex score was Credit One's proprietary score after pulling Ex?
I agree is this your actual FICO score from Experian's website I have never seen that score range from a BK discharge that soon? Your BK discharged in august of this year ???@_NERD
Yes. It's weird Credit One HP'd EX on the 3rd with a score of 763 but my actual EX FICO score was 550 when I logged into my EX account on the Experian app on my iPhone. The Credit One HP is on my EX report dated 10/3/2022. All my burned revolving accounts are correctly labeled IIB and the ch7 filing itself shows up in the public records section of my EX report.
@_NERD Thanks for the pic in both threads. It explains it now. So you can change your badge now to your FICO score. It threw many of us for a......major huh? 
Thanks again.
@FireMedic1 wrote:
@_NERD wrote:
@Jnbmom wrote:
@GZG wrote:perhaps the Ex score was Credit One's proprietary score after pulling Ex?
I agree is this your actual FICO score from Experian's website I have never seen that score range from a BK discharge that soon? Your BK discharged in august of this year ???@_NERD
Yes. It's weird Credit One HP'd EX on the 3rd with a score of 763 but my actual EX FICO score was 550 when I logged into my EX account on the Experian app on my iPhone. The Credit One HP is on my EX report dated 10/3/2022. All my burned revolving accounts are correctly labeled IIB and the ch7 filing itself shows up in the public records section of my EX report.
@_NERD Thanks for the pic in both threads. It explains it now. So you can change your badge now to your FICO score. It threw many of us for a......major huh?
Yes it threw me for one too. I'm happy with my first approval. I look forward to a responsible credit building journey.
@difringe wrote:
@_NERD wrote:
@Jnbmom wrote:
@GZG wrote:perhaps the Ex score was Credit One's proprietary score after pulling Ex?
I agree is this your actual FICO score from Experian's website I have never seen that score range from a BK discharge that soon? Your BK discharged in august of this year ???@_NERD
Yes. It's weird Credit One HP'd EX on the 3rd with a score of 763 but my actual EX FICO score was 550 when I logged into my EX account on the Experian app on my iPhone. The Credit One HP is on my EX report dated 10/3/2022. All my burned revolving accounts are correctly labeled IIB and the ch7 filing itself shows up in the public records section of my EX report.
looks like that could be an experian bankcard score or something; i wonder if that particular score just doesn't have the bk on it.
congrats on the approval and good luck on your rebuild!
Thank you. Should I buy a FICO 3B Ultimate report to see all 20-something FICO scores? I don't expect it to show anything exciting given the recent ch7 DC.
@_NERD wrote:
@FireMedic1 wrote:@_NERDI asked over here https://ficoforums.myfico.com/t5/Bankruptcy/Bouncing-back-from-Ch7/td-p/6598759 and @Jnbmom also inquired.
Was it typo in your badge at 763?
Right out of BK? Even CK wouldnt come up with that score. Pic please?
Thanks for the screenshot. There are are a couple things that make me think that's Credit One's internal score, not an official FICO score generated by Experian: The first is standard FICO scores range from 300-850, while industry specific scores, like the auto and bankcard variants, range from 250-900 (see here). I don't know of any FICO scoring models that range from 301-900, which suggests it's not an official FICO score. Secondly, they don't mention the scoring model. While it does state that Experian is the source, they don't explicitly say they're using the score from Experian. The phrasing is sufficiently ambigious that it could mean they used the credit report from Experian to generate their own score. Finally, there have been reports of people with clean, aged, and thick files (and very high FICO scores) being denied by Credit One, while people with major recent derogatories are often approved. It makes sense that someone in the rebuilding phase would have have a high internal score at Credit One, because that's their target customer.
