isislc Posted January 22, 2008 Report Share Posted January 22, 2008 Does anyone have a loan or LOC with Beneficial and know which credit report they pull for sure? They are a member of HSBC group. What kind of score did you need? There was nothing on Whogavemecredit and a couple of mentions of EQ here but that's all. Thanks. Link to comment Share on other sites More sharing options...
gypsie Posted January 22, 2008 Report Share Posted January 22, 2008 Does anyone have a loan or LOC with Beneficial and know which credit report they pull for sure? They are a member of HSBC group. What kind of score did you need? There was nothing on Whogavemecredit and a couple of mentions of EQ here but that's all. Thanks.It's been 5 or 6 years since I had anything with them, but- back then they pulled EX. I had 2 accounts, and each time they pulled EXSorry, but I don't know what my scores were back then Link to comment Share on other sites More sharing options...
isislc Posted January 28, 2008 Author Report Share Posted January 28, 2008 Well I went there today to apply for a personal loan. First thing the guy told me was that they no longer do personal loans unless you're a homeowner. But he could try to put it through anyways. Well, I was denied but he also told me what my Fico score and it was a huge difference than the scores on myfico. I told him that wasn't true that they were probably using a scoring model that was not a true Fico. He asked where I get my Fico score from, I told him and he said that MYFico does NOT give true fico scores. What a frickin laugh!! I told him he better go back to training because myfico scores are real ficos and the number he has is just the result of one of the hundreds of scoring models out there. How was that? LOL Link to comment Share on other sites More sharing options...
gypsie Posted January 29, 2008 Report Share Posted January 29, 2008 Well I went there today to apply for a personal loan. First thing the guy told me was that they no longer do personal loans unless you're a homeowner. But he could try to put it through anyways. Well, I was denied but he also told me what my Fico score and it was a huge difference than the scores on myfico. I told him that wasn't true that they were probably using a scoring model that was not a true Fico. He asked where I get my Fico score from, I told him and he said that MYFico does NOT give true fico scores. What a frickin laugh!! I told him he better go back to training because myfico scores are real ficos and the number he has is just the result of one of the hundreds of scoring models out there. How was that? LOLI'm not surprised.... back when I financed my car thru my CU, I asked which FICO score they pulled and the loan officer said she'd never heard of FICO.....but they would pull a credit score from EX. I told her FICO was the credit score of credit scores....she said she didn't know what I was talking about....??? Link to comment Share on other sites More sharing options...
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