Good question... I dunno what is the answer to your question. I'll do some poking around and get back to you if I discover an answer. You should email the people at Lending Tree as they probably can answer it..

I dont know if they are purely score driven for approvals.. I would think if you had a high score(700+) they would be... Only reason I know they do hards is because I was bored last year and applyed for them... wasnt even looking for a loan.....

If you go to eloan and get your score, it's a soft. If you apply for a loan, it's a hard. I'm not sure you can still get your eloan score anymore, but you used to be able to pull it once, just to get a score. They checked TU...

Really TU? I don't think they pulled TU for me because eloan gave me a score of 662 and according to TU score at their site, I only have a 540 ouch but when I had a dealer pull TU when we were getting our cars, my TU score was in the mid 600's too. Anytime, I have actually gotten a score from TU, my score is never out of the 500s. I am 640 with equifax and 626 with experian and I have the same crap on TU for the most part so who knows...

I know. Eloan uses the info in your TU report to calculate a score. They use a scoring formula called creditXpert, not credit expert. The score you get directly from TU is pure b.s. The next time you pull your report from TU pay the extra $3 and get the Fico score...

The free score is a soft fako from TU...

From eloans site:.

Are there different types of credit scores?.

There are a number of credit scoring programs on the market. The score shown on the E-LOAN site is prepared by CreditXpert, one of the leading credit scoring companies used by three of the top five U.S. banks. The scores best known by the general public are commonly referred to as FICO (created by Fair Isaac), although there are really multiple versions of FICO each yielding a different number for the same person. Other scores have been created by credit reporting agencies, other credit modelling companies and even lenders..

All these credit scores predict your creditworthiness and therefore, those scores based on a 450-850 scale will generally be within 30 to 50 points of each other. However, your actual numerical score will vary for two reasons:.

• Differences in the formulas.

Although most companies base their models on the same data (U.S. population credit histories), each one uses it's own proprietary model. Furthermore, lenders often work with companies like CreditXpert and Fair Isaac to customize the scores for their needs. For example, there is one FICO score for mortgage-related credit decisions and a different one for auto-related financing..

• Differences in credit data.

The three credit bureaus often contain different information on your credit history. Often this is caused by differences in what information the bureaus receive from creditors and when they receive it. As a result, your FICO score based on say your Equifax credit report (Beacon) may vary by 60 points or more from your FICO score using your Experian credit report (Empirica). To control for this variability, lenders often use the middle of the three bureau scores when making decisions, especially for Lending Tree mortgage lending..

The important thing is to use these scores to understand how lenders will view you in terms of your credit, rather than worrying about how well one score predicts another...