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myFico Score Different From Creditor

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Anonymous
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myFico Score Different From Creditor

Good day to all. I just got approved for a Discover more card on 11/15/11, and today I received the approval letter and my credit score. Discover pulled EQ and my score was 20 points lower from the one I bought from myFico on 10/25/11. Can someone explain to me how this is the case? My credit report is still the same and nothing has changed.
Message 1 of 5
4 REPLIES 4
llecs
Moderator Emeritus

Re: myFico Score Different From Creditor

Assuming nothing changed, and if Discover pulled a FICO, then it's always possible they pulled a CC-enhanced FICO, or used a newer version of the Classic score from here.

Message 2 of 5
Anonymous
Not applicable

Re: myFico Score Different From Creditor

Is it possible I can ask what system they used?
Message 3 of 5
llecs
Moderator Emeritus

Re: myFico Score Different From Creditor

Yes, though I've found most CSRs wrong or unknowledgable. Aside from that, look within these forums. Some post this same or similar question, even about Discover. You might find someone else's post about their score in relation to their last known pull. Also, look at the letter itself. Sometimes the CCC will list a score range and that'll give you an idea about the score.

Message 4 of 5
Anonymous
Not applicable

Re: myFico Score Different From Creditor

Thanks a lot.
Message 5 of 5
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