Lender pull vs Amex

pokerpro · ‎07-14-2012

how can my mortgage lender pull EX, Beacon 5 with a score of 742

Five days, mind you later

Amex pulls EX and tells me that my score is 696

???

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None

pizzadude · ‎07-14-2012

We don't know for certain the EX FICO version that AMEX uses. It might be FICO 08, whereas your mortgage lender is pulling FICO04. Or they might be pulling a bankcard enhanced FICO model.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

pokerpro · ‎07-14-2012

pizza dude

thanks for the input

the mortagage one was the 04 version. they told me

by the way - Amex are looking into my credit file after the recent denial

i dont have my hopes up, but at least i got them to take a second look

BK7 Discharge: October 2004 Starting Score: 590 March 2018 EQ & EX & TU FICO Score: 846 & 847 & 850

Goal Score: 800+ across the board | Goals Hit: 3 Active Cards: 2

Gardening Since: October 2015 Garden Goal: Oct 2018

Wish List: | None