UnThreaded | Threaded | Whole Thread (90) | Ignore Thread Prev | Next
Author: DBAVelvet74 Big gold star, 5000 posts Old School Fool CAPS All Star Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 311082  
Subject: Re: Do NOT apply for a Capital One credit card!! Date: 8/28/2004 10:16 PM
Post New | Post Reply | Reply Later | Create Poll Report this Post | Recommend it!
Recommendations: 0
I think you can both be right, and that can be explained, by the lender you went to, xtn, pulling the NextGen FICO. The other poster in the thread (sorry, I don't remember your name) said that companies are thinking about switching, and are getting both scores while they consider their decision. Maybe the place you (meaning) xtn went to decided to make the switch, so that you both saw the same score.

Actually I was the one who was sold Next Gen FICO, and xtn got the older scores.

If his were pulled by a lender then that could explain the differencce.

Mine were the ones you get by going to the credit bureaus website and requesting you FICO score. That is the new Next Gen FICO, (which to xtn's point isn't an industry standard, but is definately external to my company.)

In my experience, what the lender showed me did say Empirica, Beacaon, etc. but it was quite different from what I pulled earlier that day from the three websites. (yes, all three were significantly different)
Post New | Post Reply | Reply Later | Create Poll Report this Post | Recommend it!
Print the post  
UnThreaded | Threaded | Whole Thread (90) | Ignore Thread Prev | Next


TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Community Home
Speak Your Mind, Start Your Blog, Rate Your Stocks

Community Team Fools - who are those TMF's?
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.