Don't know where Experian score came from

[Anonymous]

Hey everyone.  I just joined and appreciate all of the insight.  I applied for and got a Capital One Platinum Card.  On the screen it had my limit ($400) and said that my Experian credit score was 653.  I logged into Experian and I didn't see that number anywhere.  My FICO 8 is 610 according to Experian and am stumped as to what I'm seeing.  Any help would be appreciated.  

Thanks!

Sam

[Anonymous]

Hi Sam! Did you see that Experian score on Credit Karma? They use Vantage 3.0 and not a true FICO. Mine was about 59 higher on the experian website.

[Anonymous]

I applied on-line and the Cap One website displayed that on the screen when it said "Cpngratulations", etc.  It listed Experian as the source which is why I logged into Experian directly and pulled my report.

[Anonymous]

sign up for discover score card (for TU) they use fico 8 and its free. they give you your score once a month. i believe chase has a free one as well.

[Anonymous]

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@Anonymous wrote:

Hey everyone.  I just joined and appreciate all of the insight.  I applied for and got a Capital One Platinum Card.  On the screen it had my limit ($400) and said that my Experian credit score was 653.  I logged into Experian and I didn't see that number anywhere.  My FICO 8 is 610 according to Experian and am stumped as to what I'm seeing.  Any help would be appreciated.  

Thanks!

Sam

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There are only 3 factors that go into a credit score and if you are seeing different scores then 1 (or more) of these factors must not be the same.  If all 3 factors are the same, you'll see the same score 100% of the time:

1 - The scoring model used (FICO 08, VS 3.0, etc)

2 - The bureau data used (EX, TU, EQ)

3 - The time that the data was pulled

Since you referenced EX both times, I'd say point #2 above is the same, which brings you to scoring model and time.  If I had to guess, I'd say the scoring model is different between the score CO provided you and what you saw from Experian. 

[SouthJamaica]

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@Anonymous wrote:

Hey everyone.  I just joined and appreciate all of the insight.  I applied for and got a Capital One Platinum Card.  On the screen it had my limit ($400) and said that my Experian credit score was 653.  I logged into Experian and I didn't see that number anywhere.  My FICO 8 is 610 according to Experian and am stumped as to what I'm seeing.  Any help would be appreciated.  

Thanks!

Sam

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From my experience Capital One uses EQ FICO 5, not EX and not FICO 8.