Wild fluctuations in FICO?

[Anonymous]

Hello all,

I'm not sure if this is in the right forum or not but...I went on a little app spree (stupid, I know, not the point) and Target pulled my score twice?! I've already called them to have them remove on of the inquiries but...one app said 513 & the other said 524(both were pulled from Equifax) . Another app on the same day (kohl's) reports my FICO (also from Equifax) as 559.

What the heck?!

Also, I app'd for a car in March/April 2010 (between 03/29 & 04/02) - they were all denied by the way. But in my Transunion & Experian reports they just show up as "approved reason" (or something) and don't lump as auto requests (they don't even say auto on them anywhere)

I am rebuilding my credit and feel hung up at every point. 

Thanks for listening/reading/responding

[LS2982]

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@Anonymous wrote:

Hello all,

I'm not sure if this is in the right forum or not but...I went on a little app spree (stupid, I know, not the point) and Target pulled my score twice?! I've already called them to have them remove on of the inquiries but...one app said 513 & the other said 524(both were pulled from Equifax) . Another app on the same day (kohl's) reports my FICO (also from Equifax) as 559.

What the heck?!

Also, I app'd for a car in March/April 2010 (between 03/29 & 04/02) - they were all denied by the way. But in my Transunion & Experian reports they just show up as "approved reason" (or something) and don't lump as auto requests (they don't even say auto on them anywhere)

I am rebuilding my credit and feel hung up at every point. 

Thanks for listening/reading/responding

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Sounds like these lenders are using their own in-house scoring and not FICO.

[CS800]

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@Anonymous wrote:

Hello all,

I'm not sure if this is in the right forum or not but...I went on a little app spree (stupid, I know, not the point) and Target pulled my score twice?! I've already called them to have them remove on of the inquiries but...one app said 513 & the other said 524(both were pulled from Equifax) . Another app on the same day (kohl's) reports my FICO (also from Equifax) as 559.

What the heck?!

Also, I app'd for a car in March/April 2010 (between 03/29 & 04/02) - they were all denied by the way. But in my Transunion & Experian reports they just show up as "approved reason" (or something) and don't lump as auto requests (they don't even say auto on them anywhere)

I am rebuilding my credit and feel hung up at every point. 

Thanks for listening/reading/responding

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These days one cannot go by FICO's only . When I got my Lowes card, the score range was internal to GE. It began with 500 something and ended in the low 700's

And I thought GE pulled TU.

So to save a lot of money companies have started to have their own risk scores.

[Anonymous]

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@CS800 wrote:

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These days one cannot go by FICO's only . When I got my Lowes card, the score range was internal to GE. It began with 500 something and ended in the low 700's

And I thought GE pulled TU.

So to save a lot of money companies have started to have their own risk scores.

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So my question is: Why do their letters of denial say they got this information from such and such agency and present me with contact information for that agency?

[CS800]

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@Anonymous wrote:

So my question is: Why do their letters of denial say they got this information from such and such agency and present me with contact information for that agency?

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My opinion is that they do pull a score (whiever one it may be). Then I think they evaluate this against their own internal risk score. I somehow think that they give you the score but they have to mention FICO score. FICO in itself has different versions depending on which one they pulled.

FICO is 300-850

Plus Score from EX is 330-830 

You also have Vantage, Transrisk etc

One thing to look at is the score range that;s given to you. Do you know the range?

[Chrisla2077]

I guess i'm learning that the score does not seem anywhere near as important as teh content of reports. I've seen people in the 300/400s get approved for things that I don't in the fives....this whole credit process is crazy frustrating...sorry just a gripe

[CS800]

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@Chrisla2077 wrote:

I guess i'm learning that the score does not seem anywhere near as important as teh content of reports. I've seen people in the 300/400s get approved for things that I don't in the fives....this whole credit process is crazy frustrating...sorry just a gripe

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So if someone FICOs are in the high 300's, you couldnt get approved for a credit card with a $50 CL and an AF of $100

[Gollum]

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@Anonymous wrote:

Hello all,

I'm not sure if this is in the right forum or not but...I went on a little app spree (stupid, I know, not the point) and Target pulled my score twice?! I've already called them to have them remove on of the inquiries but...one app said 513 & the other said 524(both were pulled from Equifax) . Another app on the same day (kohl's) reports my FICO (also from Equifax) as 559.

What the heck?!

Also, I app'd for a car in March/April 2010 (between 03/29 & 04/02) - they were all denied by the way. But in my Transunion & Experian reports they just show up as "approved reason" (or something) and don't lump as auto requests (they don't even say auto on them anywhere)

I am rebuilding my credit and feel hung up at every point. 

Thanks for listening/reading/responding

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A FICO credit score is generated from the information in a credit report at that instant.  If the information in the credit report changes, the FICO credit score may also change.  A FICO score is dynamic.  It changes depending on what is in the credit report.