Kind of new to the credit repair scene. Been working really hard on utilization reduction, opening a few new accounts and zero lates/baddies since BK7 cleared in 2/2010. So I get a denial letter that shows my score is way lower than the scores reflected on the credit monitoring sites. TU score of 645 with a denial letter on 9-30-13, but todays pull shows 707 TU. What gives?
My Credit Score Print This Page
- TransUnion
Credit Score707 C - 3-Bureau Credit Scores
For your purchase decisions
My 3-Bureau Credit Score and GradeALL SCORES UPDATED ON 10/05/2013
My VantageScore and Grade 
707 C
How you compareYour score is higher than 25%
of other American consumers.
My VantageScore and Grade
692 D
How you compareYour score is higher than 25%
of other American consumers.
My VantageScore and Grade
702 C
How you compareYour score is higher than 25%
of other American consumers.
First off, those are vantage scores and are on a different range than FICO. Also, what did your lenders pull? Did they pull a FICO? An enhanced FICO or do they have their own proprietary scoring system?
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.