Different credit scores from different companies?

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Different credit scores from different companies?

Postby mreeb4 » Wed Apr 11, 2012 2:06 am

I just turned twenty years old and have recently become interested in building my credit score.

Yesterday, I applied for a Visa Citi Forward card for students and received an email today that my application was rejected. They pulled my score through Experian, through whom I coincidentally have credit score monitoring as a service with my Discover card (and whom I had as a stand alone service just before I got my Discover).

In the rejection email that Citi sent me, they listed my credit score from Experian as a 611. However, my score is listed as a 700 from all three credit bureaus when I look at my score online. Why is this different?

Also, when I applied for my Discover card, they listed my score as a 660 (though when I applied, Experian told me it was a 700), and when I applied for AMEX several months ago, they told me that it was a 650, although again it was different online at 700.

Why is it that the card companies list my FICO score as being lower than it is when I look it up myself through Experian?


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Postby andy1088 » Wed Apr 11, 2012 7:57 am

You are probably looking at a FAKO not an actual Experian score.

Unless you go through Experian themselves I think every other score online (including free credit score) is a close, but not real score. My score according to Free Credit Score and Credit Sesame for Experian is about 694 on FCS and 700 on CS when I applied for Chase my actual score was different at 666.
My cards
Chase-Sapphire-$5,000 Freedom-$3,000, Amazon rewards-$700, Slate-$600
Citi- Diamond Preferred-$4,000, Thank you-$2,500
Discover IT-$2,500
Bank of America cash rewards-$2,000
Capital one newcomer rewards-$500

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Postby Crashem » Wed Apr 11, 2012 6:21 pm

There is basically no way to get Experian's FICO score, even through Experian. You are pretty much only getting FAKOs for Experian. The only normal way is to apply with lender who pulls Experian and get the score from them. There are a couple of credit unions I know that provide Experian FICO scores, but my credit union used to do so and was told by Experian to stop or get fined. They can now only give me a "grade" that lets me know my Experian FICO within 20 point band.

Equifax FICO is available through myfico. Unless they say FICO, assume a score is a FAKO.

TU FICO score is complicated. TU98 FICO Scoring model is available through myfico. But my opinion is it is almost as useless as a good FAKO as it is hardly used and can point you in wrong direction. The most common TU Fico scoring model is TU04. Not aware of how to get that score without getting from lender using that model. The newest TU Fico scoring model is TU08 which is not in much use but growing. TU08 is available for Walmart card holders for free, once a quarter.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

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Postby FutureBillionaire » Thu Apr 12, 2012 2:59 pm

I would only get credit scores from Equifax or Myfico. Anything else is uncivilized.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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