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

[SouthJamaica]

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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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When you applied for a credit card yesterday they pulled your report, and your FICO score, yesterday.  It was yesterday's score, not a 90 day old score, upon which they relied.

Your belief that it was a 90 day old score is incorrect.  If you give us more information we'll probably be able to figure out why you got that incorrect impression.  Perhaps they used a different FICO scoring model than the one you're used to.

[designated_knitter]

I do know that for CLIs etc, particularly with synchrony or comenity, I have applied for a CLI only to be shot down... when I would get the reject letter, I showed a credit score that was a couple months old but that is with an institution I already had a relationship with so quite different from OP's situation, I assume.

[Anonymous]

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@designated_knitter wrote:

I do know that for CLIs etc, particularly with synchrony or comenity, I have applied for a CLI only to be shot down... when I would get the reject letter, I showed a credit score that was a couple months old but that is with an institution I already had a relationship with so quite different from OP's situation, I assume.

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Correct.  SP CLIs typically go off of the last SP made for account maintenance, often at the time a CCC provides you with your monthly score update.  Synchrony as I'm sure you know uses TU VS4 monthly.  When you apply for a new account almost all the time it is going to result in a fresh pull if your report (HP) and the score that goes along with that most recent data.