Trans Union nor the Equifax site provide a FICO score. Most lenders use FICO scores so if that is the case with the lender/credit card co. than 758 is correct. I've heard some credit card companies use Vantage 3 or 4 scoring model but not sure if that's for pre-approval only or even which CC/lender may use this model.
Some do check Vantage so I would look into if they use FICO or vantage but my FICO was spot on what FICO said it was when it was pulled recently most use FICO but just check into if US Bank, Barclays uses/checks for Vantage vs FICO I doubt it but I don't want to give the wrong I'm pretty sure BOA uses FICO8 or 9 now....
@Anonymous wrote:Hi everyone, I could only find a forum thread on this topic from 2015. I'm about to apply for several cards that pull Transunion (US bank, Bank of America and/or Barclays) and was concerned to discover a massive TU score-discrepancy.
Here on MYFICO I've got 758 on TU. I was feeling confident about my applications based upon that. However, I just got a Transunion monitoring service (Mytrueidentity.com) which shows my score as as 671 on TU. Yikes! I'm not sure if I'm safe to apply now or if I need to wait until my score improves. Any feedback on the discrepancy?
The TransUnion site you reference does not provide a FICO score, so you should disregard that. If your TU FICO 8 on MyFICO.com is 758, then your TU score is in good shape.
But do bear in mind that:
-applying for 3 cards all at once is problematic; some banks don't appreciate that
-Barclays is inquiry-sensitive, regardless of how high your scores are, and I think US Bank may be sensitive to new accounts, and
-while Barclays is dependably a TU-puller, BOA and US Bank are not; there is no guarantee that TU is the bureau they will pull
My advice is to slow down a bit on this, space them out, and if the Barclays card is important to you, apply for that one first.
Bank of America will pull from Experian or Transunion depending on region.
@Anonymous wrote:Thanks so much for that helpful information. Do you know where we can find out about region? I could ask in the forums also, just thought you might know...
You can't know ahead of time which bureau they'll pull; they change it up.
Barclays is the only one of the three that is highly predictable.
^^^ This but a lot of places are that way and will rotate who they pull....(inconsistant)
As mentioned by SouthJamaica, it's a mixed bag.
Here is a guideline
https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...
Here is a guideline
https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap...