EX score down to 683 from 710?

[WallyxD]

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@LS2982 wrote:

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@SnackTrader wrote:

Are you sure you're comparing the same scoring models? Remember, there are FICOs and FAKOs - and even within FICOs there are variations. Given that it is EX, you are likely looking at a FAKO and shouldn't necessarily depend on the score. However, if your utilization did indeed increase to 77%, you would likely see a reduction in your FICO as well, but the amount of that reduction may differ. 

Edit: You posted while I was typing. Potentially different EX models. Which lenders provided which scores?

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Unless they were AMEX denials I wouldn't put too much stock in those being EX FICO's.

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They were PNC Bank and Freedom Credit Union.

[SnackTrader]

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@WallyxD wrote:

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@LS2982 wrote:

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@SnackTrader wrote:

Are you sure you're comparing the same scoring models? Remember, there are FICOs and FAKOs - and even within FICOs there are variations. Given that it is EX, you are likely looking at a FAKO and shouldn't necessarily depend on the score. However, if your utilization did indeed increase to 77%, you would likely see a reduction in your FICO as well, but the amount of that reduction may differ. 

Edit: You posted while I was typing. Potentially different EX models. Which lenders provided which scores?

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Unless they were AMEX denials I wouldn't put too much stock in those being EX FICO's.

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They were PNC Bank and Freedom Credit Union.

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Yeah, may guess is different models or non-FICOs. I haven't seen your denial letters obviously, but just because they say EX doesn't mean they are guaranteed FICO.

Either way, get your Util down if you can.