Need some help and advice!

[Anonymous]

My Fico scores are as followed, EQ 657, Exp 650, Trans 640.

However I applied for the penfed CR yesterday and they are showing my score at 595 for EQ, Also applied for something with my other credit union and they have the same score. I tried to get the apple card and my score came in at 603 with trans union. What am I missing? I would have never applied for any of these things becuase now i have all these hard inquires.

[Anonymous]

They are most likely using a different scoring model. 

Are the Fico scores you referenced your clsssic Fico 8? 

[Anonymous]

Hello yes I'm referering to the Fico 8

[thornback]

There are 28 different FICO scores. 

PenFed uses EQ FICO 9.

Apple uses TU FICO 9.

If you have derogatory accounts, like chargeoffs, FICO9 can be a little more punishing than FICO 8. 

Welcome to the forums!

[Anonymous]

Oh wow thats great informaiton thank you, Where would I find the fico 9 score?

So I'm thinking theres a few list in the community that shows which creditor uses fico 8 and 9 correct?

[thornback]

Yeah, there are a few "lists"  -  problem is that creditors can change which version they use on a whim, so it's difficult to keep it accurately updated.   Best thing to do is a quick search in the approval section of the forum to get the most recent data points for a particular lender before you app. 

The only place to get all 28 scores is through MyFICO and it's a bit more costly than other sources -  but at least you'll know where you stand across the board.