My credit expert score shows 723. Has been for some time now. I applied yesterday for Citibank Diners. I called today to check the status and told I was declined. Citibank told me, my score was too low...they say I have 663 on experian (which is Creditexpert) which is too low for Diners. 60 POINTS OFF?!!?!!
We have something similar. CE shows 732, the bank pulled EXP and the score was 680. This report has two derogs (paid lax liens) which apparently aren't being figured into the CE scoring, but they really ARE being figured into the EXP scoring. We suspected, but didn't know for sure until we had the bank pull the score just to check. Our other CE and EXP report with no derogs was right on the money, both showed it at 723. I posted about it when we discovered it in the hopes that someone else wouldn't get burned. Sorry it happened to you too. DemPooches
Back on 7/11/01 my CreditExpert score was 610 and a mortgage company got a fico from Experian at 633 on the same day. It must depend on what you have on the report. I had a bunch of lates and large percentage of my credit being used. No collections or other major derogs. I have no idea what my real score is now, as I don't want the hard inquiry and the bump no longer works on CE.
They won't even tell me a score because I haven't had any activity in 6 months. Funny because EQ and TU have given me scores. BTW...I'm 71 points higher on TU vs EQ.
That's too funny! Only b/c I applied for Diner's Club on what I learned was an inflated CE score as well. They pulled both my TU and Experian reports (two pulls? I must have been right on the edge!), then gave me the same 'ol denial letter that everyone does.
