Different scores from legit sources

George528 · ‎05-20-2015

I go on Discover, Walmart, Cap One and Barclays to get my TU score and they are pretty much the same. I ask for a CL increase from barclays and they say no and send me the letter and it also has a TU score but it is lower. Any thoughts?

Anonymous · ‎05-20-2015

The Barclays score is only updated at most monthly, and in many cases it can go between 8 to 10 weeks between updates. The denial letter would be a more recent snapshot, and the score could very well have dropped.

Anonymous · ‎05-20-2015

BofA sent me a letter stating why I got their card & there was a 1 point difference. Not sure where they're getting that info? I know it's not true.

Anonymous · ‎05-22-2015

@George528 wrote:
I go on Discover, Walmart, Cap One and Barclays to get my TU score and they are pretty much the same. I ask for a CL increase from barclays and they say no and send me the letter and it also has a TU score but it is lower. Any thoughts?

Discover and Barclays gives you a scored known as FICO 8. Capital One gives you a crazy FAKO score so don't even pay attention to it. Not sure about Walmart. Check the denial letter to see if they tell you the FICO model they utilized. They could've used FICO Bankcard 8 or FICO Bankcard 4, which are different from the FICO 8.