myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

TU MyFICO vs CAP1

tag
Get Access Now
NYFan63
Established Contributor
‎11-10-2014 01:38 PM
‎11-10-2014 01:38 PM

TU MyFICO vs CAP1

I have the CAP1 Credit Tracker showing TU score of 693, today I ran the My FICO TU and received a socre of 653 - why is there a difference?

 

Thanks!

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Message 1 of 3
0 Kudos
2 REPLIES 2
xerostatus
Regular Contributor
‎11-10-2014 01:42 PM
‎11-10-2014 01:42 PM

Re: TU MyFICO vs CAP1

Credit Tracker score provided by Capital One is not FICO.

It's the same fako score which you can get from Credit Karma.

Message 2 of 3
0 Kudos
takeshi74
Senior Contributor
‎11-11-2014 05:58 AM
‎11-11-2014 05:58 AM

Re: TU MyFICO vs CAP1

There's another recent thread on this so don't overlook other discussions.

http://ficoforums.myfico.com/t5/General-Credit-Topics/Capital-one-credit-score-tracker/td-p/3602499

 

Short answer: different scoring models produce different scores.  You can't rely on one scoring model to determine a score generated by a different scoring model even if comparing a FICO to a FICO.

Message 3 of 3
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.