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Two different scores from Equifax on same day

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compassion101
Established Contributor

Two different scores from Equifax on same day

Made a couple of apps last month and CLI requests.

 

Got approved for DiscoverMore, they sent me a letter stating that they pulled from Equifax on July 16 and my score was 713. Asked for CLI from Chase (hard pull) and got approved for small increase, they sent me letter and stated they pulled from Equifax on July 16 and my score was 733.

 

Different models? Anyone familiar with what models these companies pull? If they pull the same, something's fishy. Only difference between the two pulls might be the extra inquiry when Chase pulled (pretty certain I applied Discover first)

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pizzadude
Credit Mentor

Re: Two different scores from Equifax on same day

 

They are likely different scoring models, perhaps FICO 04 vs FICO08 ~ also one or both of them may be a bankcard enhanced FICO score.

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