topic Re: Is the Capital One credit score they put on your statements the real one? in Credit Cards

Is the Capital One credit score they put on your statements the real one?

Anonymous — Sun, 08 Jan 2012 15:47:06 GMT

I recieved my first statement from Captial One with my Experian credit score on it. Is this my real score? I know you can't get your Experian score for myFico. So I have no idea what my real score is, but I doubt my TransUnion and Equifax scores are in the 630's and my Experian is 572. Hopefully....

Re: Is the Capital One credit score they put on your statements the real one?

Anonymous — Sun, 08 Jan 2012 15:49:09 GMT

In the letter you received, does it say FICO anywhere when referencing your score?

Re: Is the Capital One credit score they put on your statements the real one?

pizzadude — Sun, 08 Jan 2012 15:51:15 GMT

I don't think it is a FICO. What is is min/max scoring range listed with the score ??

Re: Is the Capital One credit score they put on your statements the real one?

Anonymous — Sun, 08 Jan 2012 15:53:57 GMT

@pizzadude wrote:
I don't think it is a FICO. What is is min/max scoring range listed with the score ??

Good point.

If it shows a scoring range and if it's not 300-850 it's not a FICO.

Re: Is the Capital One credit score they put on your statements the real one?

LS2982 — Sun, 08 Jan 2012 16:11:06 GMT

@Anonymous wrote:
I recieved my first statement from Captial One with my Experian credit score on it. Is this my real score? I know you can't get your Experian score for myFico. So I have no idea what my real score is, but I doubt my TransUnion and Equifax scores are in the 630's and my Experian is 572. Hopefully....

If it does not say FICO anywhere in the credit score paragragh it "could" be a in-house score. I'm not sure how Cap1 does that, you may want to give them a call and see.

Re: Is the Capital One credit score they put on your statements the real one?

haulingthescoreup — Sun, 08 Jan 2012 16:13:26 GMT

@Anonymous wrote:
I recieved my first statement from Captial One with my Experian credit score on it. Is this my real score? I know you can't get your Experian score for myFico. So I have no idea what my real score is, but I doubt my TransUnion and Equifax scores are in the 630's and my Experian is 572. Hopefully....

So this is on your CC statement, right, not a letter declining you or whatever?

Which Cap One card is it?

Re: Is the Capital One credit score they put on your statements the real one?

Anonymous — Sun, 08 Jan 2012 16:20:19 GMT

No it's not a letter. It's a terms and agreements letter with important disclosures. And it doesn't say FICO anywhere and it says range from 325 to 850. It's kind of a double edged sword at this point. The only reason I applied for the Captial One card is because they give you your credit score. So if this one is not real, then it's not helpful. And now I hope it's not real!

Re: Is the Capital One credit score they put on your statements the real one?

LS2982 — Sun, 08 Jan 2012 16:21:49 GMT

@Anonymous wrote:
No it's not a letter. It's a terms and agreements letter with important disclosures. And it doesn't say FICO anywhere and it says range from 325 to 850. It's kind of a double edged sword at this point. The only reason I applied for the Captial One card is because they give you your credit score. So if this one is not real, then it's not helpful. And now I hope it's not real!

It's an in-house score.

Re: Is the Capital One credit score they put on your statements the real one?

Anonymous — Sun, 08 Jan 2012 16:24:52 GMT

325-850 is not a FICO, so no, it's not your real EX FICO.

ETA: Welcome to the Forums

Re: Is the Capital One credit score they put on your statements the real one?

Anonymous — Sun, 08 Jan 2012 16:26:14 GMT

Okay good! That scared me for a second. I've been rebuilding my credit and that score was lower than when I started! Where can i get my real Experian score?

Re: Is the Capital One credit score they put on your statements the real one?

LS2982 — Sun, 08 Jan 2012 16:28:00 GMT

@Anonymous wrote:
Okay good! That scared me for a second. I've been rebuilding my credit and that score was lower than when I started! Where can i get my real Experian score?

You cannot buy your EX FICO. The only pleace you can get it for free is with a credit union in PA (PSECU) it is provided free of charge with an account there. Or you can apply for an AMEX and they do provide EX FICO's but it will cost you a HP on EX.

Re: Is the Capital One credit score they put on your statements the real one?

Anonymous — Sun, 08 Jan 2012 16:50:12 GMT

The experian web site can sell you their score. Not much point in doing that right now though as Cap 1 already sent you one.

Re: Is the Capital One credit score they put on your statements the real one?

LS2982 — Sun, 08 Jan 2012 16:52:48 GMT

@Anonymous wrote:
The experian web site can sell you their score. Not much point in doing that right now though as Cap 1 already sent you one.

Their website score is a PLUS score which is pretty much useless other than a online loan site (Prosper) and they even use a diff. version of PLUS (Scorex +)

Re: Is the Capital One credit score they put on your statements the real one?

Anonymous — Sun, 08 Jan 2012 17:25:02 GMT

I use FreeCreditReport.com to monitor my EX report and my "Plus" score is 765 and my true EX FICO is 798, so you can see the difference, not very reliable, 33 point difference is pretty far off, I've read where a Members Plus score was in excess of 100 points off of their true EX FICO.

FCR.com is great for monitoring my EX report, I can refresh daily, and what's even better is I had to call them one time because I could not log into my account, and the CSR was saying how sorry she was and told me, since I've been a Member for over two years that she was going to cut my monthly payment from 14.95 to 7.95 for the next two years, and also gave me a 3 in 1 report (not that I really wanted that, I already have CMS for EQ and TU) but I thought that was awesome.

Anyhoo, just thought I'd give my input on the "Plus" score (not reliable).