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@Anonymous wrote:
CreditTracker you are better off calling Fortune teller off tv for scores.
Wouldn't go that far. Like I said, it's not your actual score, no. But it's generally within the ballpark and it offers info on your accounts and trends.
Is it a godsend? No. But it's a free service. I wish they offered an actual FICO score, but they don't right now. Since more and more issuers are starting to offer FICOs, maybe Capital One will update their offerings. Either way, some type of score is better than offering nothing. There's no downside to it unless you are basing your credit decisions off of the score it gives you.
@Anonymous wrote:The Cap1 score is a true FICO score, it's just a different flavor/model than what lenders use. CreditKarma switched to Vantage, no longer a FICO score.
Credit cards generally use the FICO '08. The Cap1 score is very close to my FICO '04 score (used by many mortgage lenders)
Barclays/Discover/Walmart (and FNBO I think) - Free TU FICO '08
Chase Slate and AMEX (Haven't actually seen AMEX FICO yet but some have) = EX FICO of some sort not sure which version (possible '08)
Not sure who gives an actual EQ FICO '08.
Not true for either.
From the Cap 1 website: Your Credit Tracker score is calculated based on the TransUnion New Account Model.
CK has never offered a FICO score.
If I considered C1 Credit Tracker "in the ballpark" I'd be in a panic right now. For the last two months, their score was 30-50 points LOWER than any of my current Myfico TU numbers, including 08 and Mortgage.
I've never put much stock in CK, but at least they're only lower by 13 points.
DCU gives u the real Fico score
The one used in the mortgage lending