BBY is Screwy!!

[Anonymous]

Just as the title says....

Applied for a BBY Store Card...a couple weeks ago....they pulled TU....my TU FICO was listed at the time at 650....

They listed on my deny report a score of 580....

**bleep** is that about?!

Also, my TU score went up 20 points today

Should I try calling someone and re-applying?

I got re-approved w/ my upped score for the Home Depot card I needed for when I get into my house..... <--- EXCITED about that!

But would still like a shot at BBY Store Card.....question also is, if they do another pull will it be considered 2 inq. (not a HUGE deal as score went up)

[john398]

I noticed you said when you get your house, you may want to to hold off til after you close on your house to apply for more credit.....

[Anonymous]

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@john398 wrote:

I noticed you said when you get your house, you may want to to hold off til after you close on your house to apply for more credit.....

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^^ fully agree....was just curious now that ive found the time if anyone on here can explain the MASSIVE difference between the FICO score and whatever the heck BBY says they pulled from TU.

[clocktick]

Congrats on your HD card!

What is BBY?  They could be using a different version of TU.  On here I believe it TU98 but the newer one is TU04.  There's some discussion of it here:  http://ficoforums.myfico.com/t5/Credit-Cards/Walmart-Credit-Card-Users-FREE-Fico-Scores-are-availabl...

[trumpet-205]

First of, there are a lot of FICO scoring models floating around. For TU, there are TU04 and TU98, and they score your credit report differently.

Second, are you sure BBY explicitly said it is a FICO score? Some lenders use their own proprietary scoring models, and some lenders use Vantage scoring models.

[Anonymous]

BBY is Best Buy....and it was the Store Card....

And does anyone out there know what system they use?

I dont care as much now, but it could come in handy.....

OR should I just wait and on close apply for the American TV card?   I hear it may be easier to get and they have furniture....

[Anonymous]

It happened AGAIN....

According to Lowe's denial for my request a couple weeks ago, their "version" of my TU score was somewhere in the 400's...

What scoring are they using?!

IF they are using the new scoring, how the heck is that TU so much lower than my FICO TU (670)

[trumpet-205]

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@Anonymous wrote:

It happened AGAIN....

According to Lowe's denial for my request a couple weeks ago, their "version" of my TU score was somewhere in the 400's...

What scoring are they using?!

IF they are using the new scoring, how the heck is that TU so much lower than my FICO TU (670)

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I'm telling you, there are multiple FICO scoring models available. Each score your report differently. Some lenders even use their own scoring models or Vantage scoring models. For your information TU has 13 FICO scoring models. myFICO provides TU98, a classic FICO scoring model.

[Anonymous]

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@trumpet-205 wrote:

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I'm telling you, there are multiple FICO scoring models available. Each score your report differently. Some lenders even use their own scoring models or Vantage scoring models. For your information TU has 13 FICO scoring models. myFICO provides TU98, a classic FICO scoring model.

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I get what you're saying, but a 200 pt difference....WOW!

[Anonymous]

Hey braves,

You may have posted this before -

I see that you are listing all 3 scores.  Sorry if I missed this in your post - but where are you pulling all 3 scores from?