My Fico EQ vs PENFED EQ

Anonymous · ‎02-01-2010

Pulled EQ from My Fico on 30 Jan 10 and it showed my score as 739.

Went to PENFED (work in Pentagon) branch today for a a loan product. I asked what my score was

and the CSR told me that my score was 791 and that it was VERY good.

Now I am really confused. Happy but confused...

Anonymous · ‎02-02-2010

hehehehehe enjoy it. how often does something confusing go our way?

could it be that it just hit all of your accounts at the right time for utilization, maybe some iquiries ahve dropped off, or something old and bad is gone. I do not know your history well enough to pass conjecture too much, but nice jump!!

Lel · ‎02-02-2010

What kind of loan product are you seeking?

There are industry-specific FICO formulas in addition to the ones that you can get here. For example, EQ also vends an auto industry option score.

Anonymous · ‎02-02-2010

It was a CLI on my CC. A while back I had closed it but after some input from board members I called back and had it reopened. Since they have a branch in my building I just stopped in to see if the LO would give me an increase. I saw that she had my CR up and I asked

her what my score was. She said 791 and that it was very good. Then I asked which CB and she said EQ.

DI · ‎02-02-2010

PenFed CSR told me my EQ FICO score was 791 back in August. When I pulled my EQ FICO on EQ's website back in July it was 767.

Message Edited by DI on 02-02-2010 11:23 AM

Anonymous · ‎02-02-2010

Yeah, very strange. It was not like she was making it up because I saw her look down at the screen and read it to me.

I wonder if it is a PENFED credit scoring thing?

AndySoCal · ‎02-02-2010

There is a FICO Bankcard model this may have been what Penfed pulled.

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal

RammaCredit · ‎12-28-2010

I feel the same way about the FICo scores and the score that are actually used by lenders,cause clearly they are not the same. And I just Love how the FAKO score is made to seem like it is some type of virus but in this situation the FICO is a FAKO. Thats a big difference in your scores. if there are different scoring models then we should be able to access them all. were you able to get the CLI.

Starting Score: TU:636 EQ:592
Current Score: TU:709 EQ:637 EX:706 (PSECU)
Goal Score: TU:790EQ:760 EX: 774

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