Score difference between GEMB and Myfico

[Christian123]

I need a root canal ASAP so my dentist suggested applying for care credit.  I applied and got denied due my bk discharge in Feb 2010. Not sure why I tried since I get turned down by everything GEMB, but I saw that others had success and thought I could too.

When I got the denial letter they showed my EQ score as 598 and I was shocked because I had not received any scorewatch alerts. I pulled my score from myfico.com the next day and it is still at 646. Is there a delay in myfico when you pull your score?  Has anyone experience this?

Thanks in advance.

[laz98]

they may not have used a FICO score.

[llecs]

Or if they did pull a FICO, then maybe it was a different version, an industry-specific version (e.g. bankcard-enhanced), or maybe a non-Classic like nextGen.

[Christian123]

I see, thank you. I will have to research the other scores so I can get a better understanding.

[dallasjetfan]

I don't trust any of these scores anymore!!  I am just going to continue paying off my debt and pay cash for everything from now on.  We'll see what happens in a few years to my scores.  If they go up because of less debt then great, if they don't...Oh well!!

[MarineVietVet]

---

@dallasjetfan wrote:

I don't trust any of these scores anymore!!  I am just going to continue paying off my debt and pay cash for everything from now on.  We'll see what happens in a few years to my scores.  If they go up because of less debt then great, if they don't...Oh well!!

---

Both of these are excellent ideas! Being debt free should be #1 on all our lists of things to do today. IMHO

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".