topic Re: Capital One VS Barclays FICO Score in General Credit Topics

Capital One VS Barclays FICO Score

Anonymous — Tue, 04 Nov 2014 16:55:38 GMT

So I know they both pull their credit scores from TU but there always seems to be a difference in numbers. For example for this month Barclays says my TU FICO score is 691 and Capital One FICO score is 657. I've also noticed that Capital One usually has the same score as Credit Karma which I know is a FAKO scoring. Can anyone shed light to this?

Re: Capital One VS Barclays FICO Score

Anonymous — Tue, 04 Nov 2014 16:57:31 GMT

@Anonymous wrote:
So I know they both pull their credit scores from TU but there always seems to be a difference in numbers. For example for this month Barclays says my TU FICO score is 691 and Capital One FICO score is 657. I've also noticed that Capital One usually has the same score as Credit Karma which I know is a FAKO scoring. Can anyone shed light to this?

You aswered your own question right there.

Re: Capital One VS Barclays FICO Score

-NewGuy- — Tue, 04 Nov 2014 17:03:16 GMT

@Anonymous wrote:
@Anonymous wrote:
So I know they both pull their credit scores from TU but there always seems to be a difference in numbers. For example for this month Barclays says my TU FICO score is 691 and Capital One FICO score is 657. I've also noticed that Capital One usually has the same score as Credit Karma which I know is a FAKO scoring. Can anyone shed light to this?
You aswered your own question right there.

Barclays is the TU 08 version of your FICO score. Not sure what Cap 1 uses, but it isn't a FICO score.

Re: Capital One VS Barclays FICO Score

MarineVietVet — Tue, 04 Nov 2014 18:08:31 GMT

@-NewGuy- wrote:
@Anonymous wrote:
@Anonymous wrote:
So I know they both pull their credit scores from TU but there always seems to be a difference in numbers. For example for this month Barclays says my TU FICO score is 691 and Capital One FICO score is 657. I've also noticed that Capital One usually has the same score as Credit Karma which I know is a FAKO scoring. Can anyone shed light to this?
You aswered your own question right there.
Barclays is the TU 08 version of your FICO score. Not sure what Cap 1 uses, but it isn't a FICO score.

It's called the TU New Account Model.

ETA: This "score" for me is 775.

Re: Capital One VS Barclays FICO Score

-NewGuy- — Tue, 04 Nov 2014 18:14:54 GMT

@MarineVietVet wrote:
@-NewGuy- wrote:
@Anonymous wrote:
@Anonymous wrote:
So I know they both pull their credit scores from TU but there always seems to be a difference in numbers. For example for this month Barclays says my TU FICO score is 691 and Capital One FICO score is 657. I've also noticed that Capital One usually has the same score as Credit Karma which I know is a FAKO scoring. Can anyone shed light to this?
You aswered your own question right there.
Barclays is the TU 08 version of your FICO score. Not sure what Cap 1 uses, but it isn't a FICO score.
It's called the TU New Account Model.

ETA: This "score" for me is 775.

Ah, thanks MVV didn't know that. So it's the exact same thing that CK uses.

Re: Capital One VS Barclays FICO Score

Anomalous — Wed, 05 Nov 2014 16:20:05 GMT

For this month's update my FICO (Barclay) and FAKO (Capital One) are the same. The FAKO is usually way off. I guess they get it right every now and again.

Edit: too bad myFICO hasn't caught up this month

Re: Capital One VS Barclays FICO Score

MarineVietVet — Wed, 05 Nov 2014 18:01:55 GMT

@Anomalous wrote:
For this month's update my FICO (Barclay) and FAKO (Capital One) are the same. The FAKO is usually way off. I guess they get it right every now and again.

Edit: too bad myFICO hasn't caught up this month

Even a broken clock is right two times a day.

Re: Capital One VS Barclays FICO Score

Anonymous — Thu, 06 Nov 2014 03:32:19 GMT

Thanks for the reply everyone. Makes me happy to know that my credit score isn't as terrible as I thought it was

Re: Capital One VS Barclays FICO Score

takeshi74 — Thu, 06 Nov 2014 13:17:03 GMT

@Anomalous wrote:
For this month's update my FICO (Barclay) and FAKO (Capital One) are the same. The FAKO is usually way off. I guess they get it right every now and again.

It's coincidental.

Re: Capital One VS Barclays FICO Score

Anonymous — Thu, 06 Nov 2014 13:32:19 GMT

@MarineVietVet wrote:
@-NewGuy- wrote:
@Anonymous wrote:
@Anonymous wrote:
So I know they both pull their credit scores from TU but there always seems to be a difference in numbers. For example for this month Barclays says my TU FICO score is 691 and Capital One FICO score is 657. I've also noticed that Capital One usually has the same score as Credit Karma which I know is a FAKO scoring. Can anyone shed light to this?
You aswered your own question right there.
Barclays is the TU 08 version of your FICO score. Not sure what Cap 1 uses, but it isn't a FICO score.
It's called the TU New Account Model.

ETA: This "score" for me is 775.

So how can someome obtain this score other than Cap1?

Re: Capital One VS Barclays FICO Score

MarineVietVet — Thu, 06 Nov 2014 17:29:25 GMT

@Anonymous wrote:

So how can someome obtain this score other than Cap1?

CK uses the same model for their TU score.

The VantageScore they use is the 2.0 version.