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Capital one platinum approved... Yes!!!!!

Regular Contributor

Re: Capital one platinum approved... Yes!!!!!

i know... about to put a freeze on my experian. what are some good sites to get a close to accurate experian report/score or are all fakos the same?

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Message 11 of 14
Established Member

Re: Capital one platinum approved... Yes!!!!!

I don't know. My Experian PLUS score from Experian's website is 662, but my Experian FICO is 636. From what I've learned, the only real FICO score you can ever buy is Equifax because my Transunion FICO from myfico.com is 630, but the Transunion FICO my lender pulled was 657. That's still an almost 30 point difference between actual FICO scores.
Message 12 of 14
Frequent Contributor

Re: Capital one platinum approved... Yes!!!!!

I think the issue with TU is that there are several different FICO types.. TU98, TU04 and TU08 - so who knows who is using what.

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.
Message 13 of 14
Regular Contributor

Re: Capital one platinum approved... Yes!!!!!

I agree ive heard there are differrnt version. Which stinks because each version produces a different score
CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Message 14 of 14