What CB do these company typically pull? I have heard Prosper pull a EX fico 08 and lending tree pull TU not sure what model. Can anyone give any input on this?
@Smooth954 wrote:What CB do these company typically pull? I have heard Prosper pull a EX fico 08 and lending tree pull TU not sure what model. Can anyone give any input on this?
LC I've read pulls TU '04, though some have claimed it's '98. I haven't heard that they use a '08 model ever and PRosper I've never heard one way of the other; however, if your information is accurate, depending on your credit profile you might get a better rate from one vs. the other but I've only used them as a lender so I don't know first-hand.
Ok so I just app on prosper and was declined. They pull EX and it was a Fico08 model in the decline message. What fico EX model Myfico uses? EX is my lowest score as it's reporting my student loan(which is 5months in rehab) heavily are current it's the only baddie on my report. EQ have it on my report but it have none are little effect and TU is no longer reporting it. Wish they had pulled TU good thing it's a soft pull
@Smooth954 wrote:
Ok so I just app on prosper and was declined. They pull EX and it was a Fico08 model in the decline message. What fico EX model Myfico uses? EX is my lowest score as it's reporting my student loan(which is 5months in rehab) heavily are current it's the only baddie on my report. EQ have it on my report but it have none are little effect and TU is no longer reporting it. Wish they had pulled TU good thing it's a soft pull
MyFICO uses EX 08
