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Author: xtn Big gold star, 5000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 310986  
Subject: Re: Do NOT apply for a Capital One credit card!! Date: 8/27/2004 3:16 PM
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Ok, I have one example where they differed greatly. You have one example where they didn't.

How can you say "generally" with only one anecdote?

I was pointing out they could be different as evidenced by my experience. My lender sounded like she had seen the same thing before too.

Well, I have two reports from lenders that were exact, the two that had the same pull dates. And two that were within five points on all counts, pulled a week later.

If your lender DOES utilize a third-party report wherein that third-party has included their own proprietary score instead of paying for and passing on the actual score available from the CRAs as a matter of cost saving policy, AND/OR the customer has obtained their own scores via a third-party online provider doing the same thing, then I can definitely imagine a disparity between the scores she sees and those brought in by her customer. I can easily imagine this happening on a regular basis.

If you remove from the equation any third-party calculated scores, you are left with my point. The big three CRAs do NOT provide different scores to lenders than they do to consumers.

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