Thank you CITI!

[dallasjetfan]

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@Anonymous wrote:

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@n777ua wrote:
I got the scores from Amex "credit secure" so I have no idea how accurate they are. I don't know what report was pulled, nothing has shown up yet. Cheers.

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Because Amex "Credit Secure" offers fako scores (they offer what's called a "plus" score), you may want to pull a free FICO score from this site.  It's good to know the scores your lenders see, rather than the fakos made available to consumers.  You can get a 10 day free trial of ScoreWatch, which will give you a true FICO score for Equifax.  It comes with a pretty helpful analysis of your credit report as well.  Just cancel within 10 days for the free trial - or keep it and get ongoing updates on your FICO Equifax score.  IMO, it's good to have a handle on your true FICO - at least once in awhile - good to know where you really stand.  And, hey! - it's free!

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I find Scorewatch highly inaccurate by as much as 30 points too high usually.

[haulingthescoreup]

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@dallasjetfan wrote:

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@Anonymous wrote:

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@n777ua wrote:
I got the scores from Amex "credit secure" so I have no idea how accurate they are. I don't know what report was pulled, nothing has shown up yet. Cheers.

---

Because Amex "Credit Secure" offers fako scores (they offer what's called a "plus" score), you may want to pull a free FICO score from this site.  It's good to know the scores your lenders see, rather than the fakos made available to consumers.  You can get a 10 day free trial of ScoreWatch, which will give you a true FICO score for Equifax.  It comes with a pretty helpful analysis of your credit report as well.  Just cancel within 10 days for the free trial - or keep it and get ongoing updates on your FICO Equifax score.  IMO, it's good to have a handle on your true FICO - at least once in awhile - good to know where you really stand.  And, hey! - it's free!

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I find Scorewatch highly inaccurate by as much as 30 points too high usually.

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lol, Scorewatch is your Equifax Beacon 5.0, aka EQ FICO, score.

To what are you comparing it?

[dallasjetfan]

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@haulingthescoreup wrote:

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@dallasjetfan wrote:

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@Anonymous wrote:

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@n777ua wrote:
I got the scores from Amex "credit secure" so I have no idea how accurate they are. I don't know what report was pulled, nothing has shown up yet. Cheers.

---

Because Amex "Credit Secure" offers fako scores (they offer what's called a "plus" score), you may want to pull a free FICO score from this site.  It's good to know the scores your lenders see, rather than the fakos made available to consumers.  You can get a 10 day free trial of ScoreWatch, which will give you a true FICO score for Equifax.  It comes with a pretty helpful analysis of your credit report as well.  Just cancel within 10 days for the free trial - or keep it and get ongoing updates on your FICO Equifax score.  IMO, it's good to have a handle on your true FICO - at least once in awhile - good to know where you really stand.  And, hey! - it's free!

---

I find Scorewatch highly inaccurate by as much as 30 points too high usually.

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lol, Scorewatch is your Equifax Beacon 5.0, aka EQ FICO, score.

To what are you comparing it?

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My Scorewatch said 695, but then I was denied credit and it said it was 669.

[MarineVietVet]

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@dallasjetfan wrote:

 

My Scorewatch said 695, but then I was denied credit and it said it was 669.

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How soon after you pulled SW were you told your score was 669? Could something have changed on your reports between the 2 pulls?

And do you remember the version of EQ that was pulled? EQ Beacon 5.0 is what is used by almost every lender right now as far as I know so it should have matched your SW score if both were pulled within a short amount of time.

One more question. The denial was for a credit card?

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".

[n777ua]

Looks like they pulled EX.