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theshell79

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I just called my bank to ask about a balance transfer and was told my score is over 50 pts lower.
My bank quoted it at 671 whereas Credit Karma is showing 724 and both were through Equifax.

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Top Contributor
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It is not just the CRA that matters.  The scoring model matters as well.  Odds are that you bank does not use an EQ Vantagescore but one of the FICO models.  Do not assume that all scoring models are equivalent.

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