TransUnion Score Version? Apple Card Denial

[Total80sKid]

I am in the middle of a BK right now and just wanted to see what a pre-approval would say for me for the Apple Card.

I knew I wouldn't be approved, but in the denial email, it stated my current TU score is 642.

I pay $30 a month for MyFICO and my TU score there from a few days ago says it is 496.

642 and 496 are pretty large gaps.

Does the Apple Card use a different TU score than Fico 8 or is MyFICO wrong?

[Anonymous]

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@Total80sKid wrote:

I am in the middle of a BK right now and just wanted to see what a pre-approval would say for me for the Apple Card.

I knew I wouldn't be approved, but in the denial email, it stated my current TU score is 642.

I pay $30 a month for MyFICO and my TU score there from a few days ago says it is 496.

642 and 496 are pretty large gaps.

Does the Apple Card use a different TU score than Fico 8 or is MyFICO wrong?

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Did the Apple application cite which version? 🙏🏻

And here's a thread which you might shortly find a useful read as you adjust it for your needs: https://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/td... 🙏🏻

[Total80sKid]

@Anonymous 

This is what the email told me:

And I just did the $1 Experian all 3 credit bureau scores and my TU score there is the 496 that is on MyFICO report right now.

Not sure where Apple is getting that score.

[simplynoir]

Apple uses TU Fico 9 which is where you're probably finding the disparity. Fico 9 is more forgiving of certain negatives compared to Fico 8

[Total80sKid]

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@simplynoir wrote:

Apple uses TU Fico 9 which is where you're probably finding the disparity. Fico 9 is more forgiving of certain negatives compared to Fico 8

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That makes perfect sense now.

Thank you, @simplynoir !