L2C Credit company??? Never heard much about them

[MidnightJester]

I was just wonedering how ofter Banks and CCC use "L2C" to get scores. When I applies for discover card a year and change ago they used it and gave me that score. My credit files were so bare that they used that company is the best I can figure.

They pulled EQ and TU acording to my 3 reports. my scores were in the LOW 630's 640's I think when I opened my card

When I got the Discover card it had my  L2C score at 800. They say they scores go from 040 to 940 according to them. Whatever that means. I call it a REAL FAKO that can screw you or love you

[Anonymous]

You can get some information by doing a Google search on the phrase "l2c credit score".

[14Fiesta]

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@MidnightJester wrote:

I was just wonedering how ofter Banks and CCC use "L2C" to get scores. When I applies for discover card a year and change ago they used it and gave me that score. My credit files were so bare that they used that company is the best I can figure.

They pulled EQ and TU acording to my 3 reports. my scores were in the LOW 630's 640's I think when I opened my card

When I got the Discover card it had my  L2C score at 800. They say they scores go from 040 to 940 according to them. Whatever that means. I call it a REAL FAKO that can screw you or love you

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I am not too sure what they are either, however they are what was listed for my Discover it card too when I apped for the student version. They said my "L2C" score was 644 and I was approved for my very first credit card with it. Not sure what L2C actually stands for, but in my brain it looks like an acronym for "Learn 2 Credit" LOL

[MidnightJester]

Hhhmmmmm What is Google? : )

OF course I googled it. I have to say some of the best info comes from this forum though. So I asked here

the L2C score got me my discover. I was just wondering how many other people have had the L2C score quoted in a credit aproval.

[Anonymous]

Yeah I'm lost too. I've never had anything to do with credit in my entire life. I don't pay my phone bill and fafsa pays for my education... When I tried applying for a Victoria's Secret credit card, they denied me because I had a score of 0. Then when I get a discover card, I get 612 as my credit score from L2C inc. When I called discover they said that each agency varies in the way that they get your credit score. But idk how L2C was able to come up with anything when I literally pay NOTHING with ANY SORT of credit. I always use debit.

[NRB525]

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@MidnightJester wrote:

Hhhmmmmm What is Google? : )

OF course I googled it. I have to say some of the best info comes from this forum though. So I asked here

the L2C score got me my discover. I was just wondering how many other people have had the L2C score quoted in a credit aproval.

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While Google is cute and interesting with the periodic Doodles, WikiPedia is where it's at. WP says L2C uses utility bills as an input, so if you have paid for electric, natural gas, sewer, water, or telephone, that likely leads to a payment pattern sufficient to give an indication of responsibility.

If you don't have any of those, then it's the Ouija Board method of scoring.