TU reported score 200 pts lower?

[water]

I checked all my scores the day before I applied for a cap one and dillards card. Cap one was appr'd but dillards was denied. In the denial letter from dillards (ge money) said:

[SIZE=2]T.U. CONSUMER RELATIONS
2 BALDWIN PLACE,
PO BOX 1000
CHESTER, PA 19022
800-888-4213[/SIZE]

Your Credit Score: 428

Date: 08/03/2011

Scores range from a low of 300 to a high of 620. --------- I have my Trans union score at 647 so is this a different place? And what's with the range of 300-620? Any help?

[derek1061]

That could mean one of two things, either they have their own internal scoring system or you have something that is only reporting as negative to transunion. This CANNOT be a FICO score because FICO runs from 350-850. Hope this helps.

Derek