can I get a copy of my credit score hard pull result?

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Aug 30, 2019 26 Comments

I want to refinance my home loan. A KeyBank staff offered me low interest rate. I see 740 and 742 in credit karma, 783 in BOA, 742 in Chase. But after she did the hard pull, she said my score is 736, and she said KeyBank pick the middle one from the three scores from 3 bureau. But if credit karma is correct the middle one should be at least 740.

All the offers got worse, rates higher and closing cost higher. And she refused to give me a copy of the hard pull result.

(Update: She didn't even ask me to sign anything to do the hard pull, just asked me thru phone. It's too unofficial compared to my experience in Citi)

I feel it's like lure and bait. Do I have the right to ask for a copy of the hard pull result? What if she just said some random low number? (Update: not totally random but based on the numbers 740 742 I told her)

Should I buy one time report from https://www.myfico.com/pricing/credit-reports? But it says "Your lender/insurer may use a different credit score." which could be an excuse :(

Update(9/3): chase did a hard pull today and they told me my score is 745.

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TOP 26 Comments
  • Facebook ⭕w⭕
    Credit Karma doesn't pull credit scores, they use an estimate that could be at least 25 points off your FICO. Take the L, and lol that you think the bank would say some "random low number", be glad Microsoft doesn't check to see whether you have financial knowledge beyond 3rd grader level.
    Aug 30, 2019 7
    • Credit Karma / Other EllisDee25
      Credit Karma does pull scores - the same that Chase uses from Transunion. Fico is a specific brand of scores that CK does not buy though.
      Aug 31, 2019
    • Microsoft
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      Fico is the brand of scores that matter
      Aug 31, 2019
  • Most of the ones that you get through your CC account or Mint are estimates. Well informed but still estimates. They're consistently 20-50 points higher than a hard check.

    That's through two purchases and a recent refi.
    Aug 31, 2019 4
    • Credit Karma / Other EllisDee25
      Sure, but I’m saying it’s not an estimate. The score providers are all private entities competing for market space, FICO is the biggest.
      Aug 31, 2019
    • Ok: "Totally legit scores that have little to no meaning to lenders"

      Better?
      Aug 31, 2019
  • Microsoft ABACADABAC
    Under US law, if you suffer any adverse action because of your credit, you have a right to get a copy of the report and score for free, and the bank is required to tell you where you get it.
    Aug 31, 2019 1
    • Microsoft
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      OP
      This is awesome. Thanks!
      Aug 31, 2019
  • Credit Karma / Other EllisDee25
    The hard inquiry will drop your score a bit. It’s dumb imo, but when lenders check your credit it temporarily lowers it. It sounds like they were pulling a score around the CK/chase one (I think the same bureau and model are used by both) but applying for a mortgage might have dropped it.
    Aug 31, 2019 0
  • Facebook public2
    You get a free annual credit report. Get it and use it.
    Aug 31, 2019 4
    • Facebook ⭕w⭕
      I knew Microsoft's bar was low, but not this low...
      Aug 31, 2019
    • Microsoft
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      OP
      I double checked my credit report from annualcreditreport.com. There is no credit score in it, just things related to credit history.
      Sep 3, 2019
  • Adobe bwKm12
    Get experian membership, its 25 bucks a month for full report + score daily. You can get 3 bureau full report once a month I believe. Totally worth it.
    Aug 31, 2019 1
    • Microsoft
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      OP
      Thanks. This is useful
      Aug 31, 2019
  • Bloomberg / Eng F.U. money
    750ish is quite low to be applying for anything IMO... That’s barely in the 60th percentile.

    Vantage scores are inflated and useless and often on a scale that ends at 900 rather than 850. You would need a vantage score of like 830-840 or above to be considered top drawer.
    Aug 31, 2019 1
    • Microsoft
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      OP
      Yea, but I just came to us for no more than 2 years. That's the best score I can get I believe. When I came here I have no choice to use firsttech to get a high rate loan because I have a credit history next to nothing. Now at least I can go with other banks with lower rates
      Aug 31, 2019
  • Microsoft
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    OP
    Update: chase did a hard pull today and they told me my score is 745.
    Sep 3, 2019 0

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