640 score

[hoppermech]

Last Month I applied for a signature loan and was denied but a couple weeks later I received a letter stating that the CRA that they went thru was experience and that my credit score was 640, is that an actual score and would it be the same numbers if I applied for a home loan

[llecs]

It depends. While some lenders use a Classic FICO like what mortgage lenders use, some could be using an installment-enhanced FICO that weighs your past loan experience. It might be worth asking them to be sure.

[hoppermech]

Thank you for the info