Why is my FICO score based on information 90 days old and not 30 days old?

[Anonymous]

Can you be a little more clear on what you're asking or what your referring to?

Your Fico score is based on the information used at the moment in time the score was generated.  So, if you're provided with a new score from a source today, the date of that score should be today meaning that the bureau data used was from today.

If you're looking at a Fico score dated 30 days ago or 90 days ago, it means that score was generated from your report data at that time.  It doesn't make those scores "wrong" it simply means they aren't very current and that if you were to generate a new score today based on the changes to your CR since then your score may change as well.

[Remedios]

Hi and welcome to the forums 

Are you talking about paid monitoring, and if so, which type did you purchase, advanced or premier? 

[Bankrupt2019]

My only guess is you're looking at data from your initial sign up on MyFICO and not a current score. The simulator uses the data from the last paid or subscription included update and not the current data.

[Anonymous]

Last week my credit score was 707 according to the source I was scanning at the moment.  Then today I applied for a credit card for good credit and they turned me down citing a score 90 days old at 671.

[Anonymous]

No,  I applied for a credit card today for good credit, because last week I had a score of 707, but I was refused a credit card today for a FICO score of 671 based on data from 9/21/2020.

[Bankrupt2019]

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@Anonymous wrote:

No,  I applied for a credit card today for good credit, because last week I had a score of 707, but I was refused a credit card today for a FICO score of 671 based on data from 9/21/2020.

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Have you previously applied for credit with this lender?

Also are you comparing scores for the same bureau and same version?

[Anonymous]

I have not applied with them before recently.

[Remedios]

Where did you see that *good* score and which card did you apply for? 

You might be looking at different scoring models or different Fico score version. 

[Anonymous]

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@Anonymous wrote:

Last week my credit score was 707 according to the source I was scanning at the moment.  Then today I applied for a credit card for good credit and they turned me down citing a score 90 days old at 671.

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I have a feeling that you're comparing apples to oranges in terms of scoring model.  You cited a 707 score above, but didn't say what version score that was.  There's more than a good chance that the score used for your CC app was from a completely different model, which means the score could be wildly different.

Also, how do you know that the score they're using is from 90 days ago?  Who is the lender and why would they have a 90 day old pull on you?  Maybe you're inferring that the score is 90 days old because you know that your 707 score was around that amount 90 days ago?