<description>&lt;p&gt;You check your credit score and feel confident — then get denied or offered worse terms.&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;Why?&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;In this episode, Tiana Mayers explains a major credit misconception: the score you see is not always the score lenders use.&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;Topics include:&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;• Educational scores vs. lending scores • FICO vs. VantageScore • Why lender scores differ from app scores • Mortgage, auto &amp;amp; credit card scoring models • Reporting delays &amp;amp; updates • Credit profile vs. credit score • Hidden underwriting factors&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;Lenders use different scoring systems, timelines, and risk standards. A score shown in a banking app may reflect an educational model, while lenders may pull different versions based on the loan type and bureau used.&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;Tiana also explains how lenders evaluate more than a three-digit score. Debt-to-income ratio, payment history, utilization, account age, and recent inquiries can all impact approval decisions.&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;Listeners will learn why “good credit” can still lead to denial, how reporting delays affect applications, and why free score apps are useful for monitoring but not always accurate approval predictors.&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;This episode helps consumers better understand how credit decisions are really made — and why the number you see may not be the number lenders see.&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;🎙 Hosted by Tiana Mayers (Lady T) Presented by Beyond Credit Limits Corporation (BCLC)&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;🌐 &lt;a target="_blank" rel="noopener noreferrer nofollow" href="http://TheRealCreditTalkShow.com"&gt;TheRealCreditTalkShow.com&lt;/a&gt; | &lt;a target="_blank" rel="noopener noreferrer nofollow" href="http://RealCreditTalkShow.com"&gt;RealCreditTalkShow.com&lt;/a&gt; | &lt;a target="_blank" rel="noopener noreferrer nofollow" href="http://beyondcreditlimits.com"&gt;beyondcreditlimits.com&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;📲 @therealcredittalkshow | @realcredittalkshow | @beyondcreditlimits&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;📩 &lt;a target="_blank" rel="noopener noreferrer nofollow" href="mailto:therealcredittalkshow@beyondcreditlimits.com"&gt;therealcredittalkshow@beyondcreditlimits.com&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;STREAMING ON:&lt;/p&gt;&lt;p&gt;iHeartRadio Apple Podcasts Spotify Pandora Amazon Music Podcast Index TrueFans Podverse PodLP Podcast Guru Pocket Casts Fountain FM Deezer TuneIn&lt;/p&gt;</description>

The Real Credit Talk show

Tiana A Mayers

The Score You See Is Not the Score They Pull

MAY 28, 202636 MIN
The Real Credit Talk show

The Score You See Is Not the Score They Pull

MAY 28, 202636 MIN

Description

<p>You check your credit score and feel confident — then get denied or offered worse terms.</p><p></p><p>Why?</p><p></p><p>In this episode, Tiana Mayers explains a major credit misconception: the score you see is not always the score lenders use.</p><p></p><p>Topics include:</p><p></p><p>• Educational scores vs. lending scores • FICO vs. VantageScore • Why lender scores differ from app scores • Mortgage, auto &amp; credit card scoring models • Reporting delays &amp; updates • Credit profile vs. credit score • Hidden underwriting factors</p><p></p><p>Lenders use different scoring systems, timelines, and risk standards. A score shown in a banking app may reflect an educational model, while lenders may pull different versions based on the loan type and bureau used.</p><p></p><p>Tiana also explains how lenders evaluate more than a three-digit score. Debt-to-income ratio, payment history, utilization, account age, and recent inquiries can all impact approval decisions.</p><p></p><p>Listeners will learn why “good credit” can still lead to denial, how reporting delays affect applications, and why free score apps are useful for monitoring but not always accurate approval predictors.</p><p></p><p>This episode helps consumers better understand how credit decisions are really made — and why the number you see may not be the number lenders see.</p><p></p><p>🎙 Hosted by Tiana Mayers (Lady T) Presented by Beyond Credit Limits Corporation (BCLC)</p><p></p><p>🌐 <a target="_blank" rel="noopener noreferrer nofollow" href="http://TheRealCreditTalkShow.com">TheRealCreditTalkShow.com</a> | <a target="_blank" rel="noopener noreferrer nofollow" href="http://RealCreditTalkShow.com">RealCreditTalkShow.com</a> | <a target="_blank" rel="noopener noreferrer nofollow" href="http://beyondcreditlimits.com">beyondcreditlimits.com</a></p><p></p><p>📲 @therealcredittalkshow | @realcredittalkshow | @beyondcreditlimits</p><p></p><p>📩 <a target="_blank" rel="noopener noreferrer nofollow" href="mailto:[email protected]">[email protected]</a></p><p></p><p>STREAMING ON:</p><p>iHeartRadio Apple Podcasts Spotify Pandora Amazon Music Podcast Index TrueFans Podverse PodLP Podcast Guru Pocket Casts Fountain FM Deezer TuneIn</p>