Reply
Regular Contributor
Posts: 238
Registered: ‎01-29-2012
0

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

Established Member
Posts: 24
Registered: ‎03-01-2012
0

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.
Frequent Contributor
Posts: 353
Registered: ‎05-01-2007
0

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.
Regular Contributor
Posts: 238
Registered: ‎01-29-2012
0

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

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.