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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Is the Capital One credit score they put on your statements the real one?


GreekLady wrote:

Okay good! That scared me for a second. I've been rebuilding my credit and that score was lower than when I started! Where can i get my real Experian score?


You cannot buy your EX FICO. The only pleace you can get it for free is with a credit union in PA (PSECU) it is provided free of charge with an account there. Or you can apply for an AMEX and they do provide EX FICO's but it will cost you a HP on EX.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Posts: 318
Registered: ‎05-08-2011
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Re: Is the Capital One credit score they put on your statements the real one?

The experian web site can sell you their score. Not much point in doing that right now though as Cap 1 already sent you one.

FICOS 2/2012 EQ: 763 TU: 761 EX: 746 (1/2012 EX)
Cards: Associated Bank Visa 9000, Paypal Mastercard 3000, Amazon Store card 1100, Barclays Apple Financing 2500, Cap One Rewards Mastercard 3000
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Is the Capital One credit score they put on your statements the real one?


LilloEsquilo wrote:

The experian web site can sell you their score. Not much point in doing that right now though as Cap 1 already sent you one.


Their website score is a PLUS score which is pretty much useless other than a online loan site (Prosper) and they even use a diff. version of PLUS (Scorex +)




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,971
Registered: ‎02-06-2011
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Re: Is the Capital One credit score they put on your statements the real one?

I use FreeCreditReport.com to monitor my EX report and my "Plus" score is 765 and my true EX FICO is 798, so you can see the difference, not very reliable, 33 point difference is pretty far off, I've read where a Members Plus score was in excess of 100 points off of their true EX FICO.

 

FCR.com is great for monitoring my EX report, I can refresh daily, and what's even better is I had to call them one time because I could not log into my account, and the CSR was saying how sorry she was and told me, since I've been a Member for over two years that she was going to cut my monthly payment from 14.95 to 7.95 for the next two years, and also gave me a 3 in 1 report (not that I really wanted that, I already have CMS for EQ and TU) but I thought that was awesome.

 

Anyhoo, just thought I'd give my input on the "Plus" score (not reliable).

 

 


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

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