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Hi guys!
I'm on a credit rebuilding journey. I was in the 500s and the last month, my score on Capitol One Creditwise is 633 (yay!) and through my bank, my Vantage Score 3.0 (from Transunion) is 633. I know I'm not going to be approved for an apple card but I thought what the heck since it is a soft pull and of course was denied but when I got the email explaining why it says my TU score is 577. I"m so confused. What scores are the actual ones I should pull to get a good snapshot of what my credit scores actually are?
@Anonymous wrote:Hi guys!
I'm on a credit rebuilding journey. I was in the 500s and the last month, my score on Capitol One Creditwise is 633 (yay!) and through my bank, my Vantage Score 3.0 (from Transunion) is 633. I know I'm not going to be approved for an apple card but I thought what the heck since it is a soft pull and of course was denied but when I got the email explaining why it says my TU score is 577. I"m so confused. What scores are the actual ones I should pull to get a good snapshot of what my credit scores actually are?
Brace yourself, there are more than 30 credit scores....
The one that matter are the one that a specific lender uses. Most lenders use some variation of FICO scores, not Vantage scores.
@Anonymous wrote:Hi guys!
I'm on a credit rebuilding journey. I was in the 500s and the last month, my score on Capitol One Creditwise is 633 (yay!) and through my bank, my Vantage Score 3.0 (from Transunion) is 633. I know I'm not going to be approved for an apple card but I thought what the heck since it is a soft pull and of course was denied but when I got the email explaining why it says my TU score is 577. I"m so confused. What scores are the actual ones I should pull to get a good snapshot of what my credit scores actually are?
All Vantage. You can get your free EX FICO score at Discover Scorecard or experian.com.
@Anonymous wrote:Hi guys!
I'm on a credit rebuilding journey. I was in the 500s and the last month, my score on Capitol One Creditwise is 633 (yay!) and through my bank, my Vantage Score 3.0 (from Transunion) is 633. I know I'm not going to be approved for an apple card but I thought what the heck since it is a soft pull and of course was denied but when I got the email explaining why it says my TU score is 577. I"m so confused. What scores are the actual ones I should pull to get a good snapshot of what my credit scores actually are?
They pull Transunion FICO Score 9 classic.
https://www.apple.com/apple-card/financial-health/