Cap One Important Disclosures EQ "Score" vs, EQ "Fico" Score..

[Andy77]

So, I went to Equifax today and paid for my "Fico" score, the actual option that said I wanted to buy my "fico" score (I did not purchase the Eqifax Credit Score) and it said my score was 692 today.

When i applied for a Cap One Card in June, I see in the important disclosures (I kept the actual papers) that they used Equifax and my score in June was 687.

It said the score range was 334-818

When I pulled my EQ score on this site, today, it said that my score was 661

I can only assume that the "fico" I pulled today of 692 is not the same scoring model that cap one uses ?

Bascially, I am just trying to figure out in my head if the equifax score cap one got on me the other day when I applied, last week, will be higher or lower then 692, that I got today?

I am HOPING that cap one did not see the score of 661, that I got today.

Thank you

[Barneygirl]

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@Andy77 wrote:

So, I went to Equifax today and paid for my "Fico" score, the actual option that said I wanted to buy my "fico" score (I did not purchase the Eqifax Credit Score) and it said my score was 692 today.

When i applied for a Cap One Card in June, I see in the important disclosures (I kept the actual papers) that they used Equifax and my score in June was 687.

It said the score range was 334-818

When I pulled my EQ score on this site, today, it said that my score was 661

I can only assume that the "fico" I pulled today of 692 is not the same scoring model that cap one uses ?

Bascially, I am just trying to figure out in my head if the equifax score cap one got on me the other day when I applied, last week, will be higher or lower then 692, that I got today?

I am HOPING that cap one did not see the score of 661, that I got today.

Thank you

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Not 100% sure, but my Cap One FICO score has always matched the EQ Score Power (FICO score purchased on EQ site) score.

[Revelate]

That score range from Cap 1 matches EQ Beacon 5.0 which is the same score which Equifax currently uses on their FICO score product.  +1 Barneygirl

The one here is a newer Beacon 9 model (A FICO 8 version, not to be confused with the awkwardly named FICO 9).