Could my score have dropped like this, or is something else going on?

[Anonymous]

Barclays says my FICO score as of 3/25/15 is 779.    I just got a credit limit increase refused by Chase because they say my FICO score on 5/7/15 was 721.  Both are supposedly from Transunion.   I got my Transunion credit report and found it looks pretty much like all my other credit reports; everything is OK, nothing bad.  Other than applying for a credit card, I have done nothing from 3/25 to 5/7.

So, why did my credit score decline from 779 to 721?  Or, is the FICO score from Barclays not comparable to the FICO score from Chase?

[CH-7-Mission-Accomplished]

Doesn't Chase use Experian?  There are many FICO scores and each bureau has several based on version and enhancements.

[Revelate]

Welcome to the forums!

There is a slew of FICO scores available; while the TU FICO 8 is a pretty good benchmark for the current credit market (except mortgages and auto loans) it's not necessarily exact for any given lender.

Chase uses a mix of different scores, historically even some non-FICO ones (VantageScore for one), but unless it's explicitly stated which, or it can be matched to a known score, it's hard to determine which one.

@CH7 - Chase pulls all 3, EX predominantly but often will do reviews or a pull of a secondary EQ / TU.  Saw them in a few places on my reports though the only HP I have for them is on EX from just over a year ago.

[Anonymous]

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@Revelate wrote:

Welcome to the forums!

There is a slew of FICO scores available; while the TU FICO 8 is a pretty good benchmark for the current credit market (except mortgages and auto loans) it's not necessarily exact for any given lender.

Chase uses a mix of different scores, historically even some non-FICO ones (VantageScore for one), but unless it's explicitly stated which, or it can be matched to a known score, it's hard to determine which one.

@CH7 - Chase pulls all 3, EX predominantly but often will do reviews or a pull of a secondary EQ / TU.  Saw them in a few places on my reports though the only HP I have for them is on EX from just over a year ago.

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This^^^^

[Anonymous]

Are you sure the 721 score from Chase isn't a CARS score?