I applied for a couple cards that pull Equifax. I got approved for 1 and denied for 2. I know that there are different scoring platforms, but each creditor had a crazy different score/reason/amount of collections or issues that got me denied... My own bank (US Bank) system denied me for a cash rewards but when I reconned they sent it back for manual review because I had a 640 and only showed old OLD collections. Weird. Another card denied said I had a 565 and tons of collections. What the heck are they all pulling??? Anyone have any idea whats up with Equifax?
Other information to note:
For some reason my last name was spelled wrong on my equifax report but I disputed and changed it in Feb. My file was completely empty before I fixed my name and then all of a sudden I had a 600+ according to their site, and 630 according to CK.
It sounds like you may have a split file.