How current and accurate are the MyFico CSs?

[anewme35]

If I wake up tomorrow AM and pull all 3 credit reports, I'll get my CS#.  If I then go into a lender (same day) with my reports and CS handy and they do a hard pull actual inquiry, will there be a different in CSs?

[09Lexie]

Could be different. Your lender may not use the same version if the CSs sold here. Your lender may be using bank enhanced or one of the other 49 different version of FICO.

[anewme35]

" or one of the other 49 different version of FICO."

Thanks ^^^ that actually helps put things into prespective.  I'm still hoping there is not a significant variance/outcome between all the different flavors of CS models, but its the reality that I'll need to keep in mind.

Thanks again!

[llecs]

I've actually have seen a couple of success stories where posters pulled their CRs, went to their lender with their newly pulled CRs, and were actually approved/denied for credit without a hard inquiry by looking at the reports alone. Probably 99% of the lenders out there won't do that, but if you went to a small bank or CU they'll certainly listen to you.

[Kratos-TM]

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@llecs wrote:

I've actually have seen a couple of success stories where posters pulled their CRs, went to their lender with their newly pulled CRs, and were actually approved/denied for credit without a hard inquiry by looking at the reports alone. Probably 99% of the lenders out there won't do that, but if you went to a small bank or CU they'll certainly listen to you.

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Wow, now that's called beating the system. If too many lenders did that, the CRA's would come rushing in I bet....