Personal Loan Applications

Anonymous · ‎04-29-2019

My Fico score just refreshed and I'm now sitting at 670 from 600 about a month ago. I want to apply for a personal loan but almost all of the sites are still seeing my score as 600. If my TU score is 670 why are loan companies not seeing that? One loaner just denied me for not meeting the minimum of 640 but my score is clearly above that. What exactly are the loaners using the judge my score?

thornback · ‎04-29-2019

Hi & welcome to the forums!

From where are you getting your score(s)? You only mention one TU score... what are the other two? Lenders may be pulling from one if the other two bureaus, which may be lower.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

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Personal Loan Applications

Re: Personal Loan Applications

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