Oddity, JCB Makurai pulls two different model versions.

[Revelate]

Two very different score versions.

EX Risk Model v2 (EX 98)

Transunion FICO 8 classic. (TU 8)

10 year differential in model development, first time I've heard of a lender do that.

[youdontkillmoney]

I had a JCB card before I cancelled it.

I am not surprised, they even manually review apps by a real live person flipping through a paper application.

Quite conservative lender.

[Revelate]

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@youdontkillmoney wrote:

I had a JCB card before I cancelled it.

I am not surprised, they even manually review apps by a real live person flipping through a paper application.

Quite conservative lender.

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Not surprised by the double pull, am surprised by the disparity in model versions.