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Chase Southwest. They pulled EQ, but it was way off

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gatortrades
New Contributor

Chase Southwest. They pulled EQ, but it was way off

Denied for Chase Southwest (99% sure I would be, but I needed to scratch an itch).  I had a 628 EQ from this site when I app'd, and just got the letter today, which showed a 575 EQ.

 

Does Chase pull an different EQ than what is offered on this site?  Or is it their credit card based algorithm?  Thanks for any help.


Starting Score: 8/6/08 EQ-428 TU-471 EX-440
Current Score: EQ-822 Scorewatch 3/4/19 TU-798 BOA 3/19/19 EX-793 3/6/19 Discover Creditscorecard
Goal Score: 720


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3 REPLIES 3
gatortrades
New Contributor

Re: Chase Southwest. They pulled EQ, but it was way off

And I should clarify.  I had a 628, applied the next day, and afterward had a 625 (when the HP hit my report), so I know it wasn't any "oh, something must've hit the report" type stuff.  Thanks.


Starting Score: 8/6/08 EQ-428 TU-471 EX-440
Current Score: EQ-822 Scorewatch 3/4/19 TU-798 BOA 3/19/19 EX-793 3/6/19 Discover Creditscorecard
Goal Score: 720


Take the FICO Fitness Challenge
Message 2 of 4
enharu
Super Contributor

Re: Chase Southwest. They pulled EQ, but it was way off

It might have been a credit card enhanced formula. Did it specifically say it was a fico score as well? If it didn't, it might have been an internal score as well, and that equifax simply provided your credit report.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 3 of 4
gatortrades
New Contributor

Re: Chase Southwest. They pulled EQ, but it was way off

It say:

Scoring system name: FICO Score
Source: Equifax
Date Calculated: 6/11/13
Your credit score: 575

And like I said, I was a 628 eq on here, dropped 3 pts to 625 when the chase inq hit, and am still there. I guess this was just their own little twist on the fico. Good to know for the future.

Starting Score: 8/6/08 EQ-428 TU-471 EX-440
Current Score: EQ-822 Scorewatch 3/4/19 TU-798 BOA 3/19/19 EX-793 3/6/19 Discover Creditscorecard
Goal Score: 720


Take the FICO Fitness Challenge
Message 4 of 4
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