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Experian showing way lower in denial letter

KDF
Established Member

Experian showing way lower in denial letter

So this is weird, I app'd for a Williams Sonoma card which is a Comenity card (the only other Comenity card I have is an Express card, which I got with the SCT), and the denial letter shows an abysmal 540 something through Experian, but I track Experian in real time and as of yesterday it should be around 643. My Experian hasn't been below 600 in about a year. Weird..?!

4 REPLIES 4
chiefone4u
Established Contributor

Re: Experian showing way lower in denial letter

I don't believe Comenity uses a standard Fico8 score, while I can't quickly find a source to quote I remember seeing somewhere they use an older Card score (Fico5 Card maybe?).

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Message 2 of 5
SouthJamaica
Super Contributor

Re: Experian showing way lower in denial letter


@KDF wrote:

So this is weird, I app'd for a Williams Sonoma card which is a Comenity card (the only other Comenity card I have is an Express card, which I got with the SCT), and the denial letter shows an abysmal 540 something through Experian, but I track Experian in real time and as of yesterday it should be around 643. My Experian hasn't been below 600 in about a year. Weird..?!


There isn't a single Experian score, there are many FICO score models using Experian data. Comenity was no doubt using a different model. In the adverse action letter it might tell you what the lowest and highest possible scores are. That would give us a clue as to which scoring model they used.

 

According to @gdale6 Comenity uses an internal scoring model, unless it specifies a certain FICO scoring model.

 


Total revolving limits 677500 (584500 reporting) FICO 8: EQ 758 TU 777 EX 749

Message 3 of 5
KDF
Established Member

Re: Experian showing way lower in denial letter

Wow thank you I had no idea! I checked and the letter states the range is 300 to 850. Do you know which model that could be?

Message 4 of 5
SouthJamaica
Super Contributor

Re: Experian showing way lower in denial letter


@KDF wrote:

Wow thank you I had no idea! I checked and the letter states the range is 300 to 850. Do you know which model that could be?


That narrows it down to 3 versions:

FICO 8

FICO 3

FICO 2

 

I'm guessing they used FICO 2.


Total revolving limits 677500 (584500 reporting) FICO 8: EQ 758 TU 777 EX 749

Message 5 of 5
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