Don't go by "most reliable" and always consider the specific scoring model & CRA and the relevance of the model/CRA combo to a given creditor. Creditors do not al use the same scoring model or CRA. FICO 8 is most commonly used for credit cards but it is not the only model used.
Credit Karma provides TU and EQ VantageScore 3.0. Those scores are relevant to creditors that use a TU or EQ VantageScore 3.0
AmEX provides an Experian FICO 8. It is not relevant to a creditor that uses a different model and/or CRA.
Capital One provides a TransUnion New Account score. No creditor uses that score.
You can reference the Credit Pulls Database, easily found via Google, if you want to see what a given creditor tends to pull but that can vary by region which is why the CPD tracks location as well as score and CRA.
Do not attempt to use a score generated by one model to determine a score generated by a different model. All scores are accurate but only for their own models.
@Anonymous wrote:
Which is a better company chase or amex?
First off, better is always highly subjective, regardless of topic. Second. don't select a creditor and then try to justify a card from that creditor. Sort out your needs/wants and use that to select specific products that suit you.
I find products from both as well as other creditors to be useful. YMMV.
@Anonymous wrote:
Is the credit score reported from amex reliable ?
Again, it's en EX FICO 8. An EX FICO 8 is and EX FICO 8 regardless of source. If a creditor uses an EX FICO 8 then they will pull that score. If they use TU or EQ then the score will not be relevant to that creditor. If they use a FICO model other than FICO 8 then it will not be relevant even if they use EX. See also the Understanding FICO Scoring subforum and its stickies for more info on the various FICO models used by creditors.
Consider relevance, not "relaibility". If you want to know what score a creditor will pull for you then you need to know the model and CRA and go pull that specific score.
