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I know these two places use the same scoring and it is not really relevant but it kills me bc MyFico, Walmart, and Barclays says my TU Fico is almost 700 (689-691) while capital one still shows 607!!! I have seen people mention that their mortagage lender pull was the same as capital one so im so confused!
capitol one credit tracker and ck are fako scores.
I know and I thought lender dont really use but im seegin more and more people saying their lender pulled the same as CK
My CK and Cap1 scores are the same score and when I was trying for a mortgage each time the lender pulled my credit the score they got was always 30 points higher than my CK account. I've heard the CK is usually about 25 to 30 points lower than your actual scores.
@bear812c wrote:My CK and Cap1 scores are the same score and when I was trying for a mortgage each time the lender pulled my credit the score they got was always 30 points higher than my CK account. I've heard the CK is usually about 25 to 30 points lower than your actual scores.
These are the same FAKO score and there is no way to correlate this score to a real FICO, DO NOT even try to do so...
My CK score is over 100 points off my FICO score. One of the reasons is, they don't count closed TLs for AAoA. So if you pay a mortgage perfectly for 30 years, as soon as it is paid, it's not scored. FICO gives you 10 years for them to stay in the game.
my ck score is 150 points above then 30 points below and so on. stop worrying about score so much and build a good profile. if you have a good base your score will match it.
I know that but it seems to matter for a mortgage too
If someone's mortgage lender pull matched their CK score, it's just coincidence. The only way to know what your mortgage lender will pull, is to have your mortgage lender pull it. Even your actual Fico scores can differ from a particular mortgage lender pull, because there are so many Fico variations. Use your Fico scores as a gauge to know if you are in the ballpark. Use CK for enetertainment only.