Confusion that is affecting my approval limits

[Anonymous]

Synchrony, barclays say my fico score is 650ish -give or take a few months and my fico says the same. 

Comenity and Capital One say my fico score is barely 600-what the heck?

[Josh611]

If you're talking about the score capital one gives you through their "credit tracker" that is a FAKO. It is not a FICO.

[Anonymous]

No, not that one. They recently approved me for a Sony Visa and thats the score they claim I have which I found to be disturbing but the only thing I can think of is that they are not using fico 08...it was actually a blessing though because that disturbing news pushed me back to the garden. 

[Anonymous]

It is likely that the lenders are using different versions of fico, not an expert but I know that there are many older versions of fico that some lenders use which is why there is often disparity between the scores they report they made the decision on versus what myfico or other sites state.  Myfico now shows most of these versions when you buy the report, I was shocked to see the dispartity between versions.

[uswala]

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@Anonymous wrote:

It is likely that the lenders are using different versions of fico, not an expert but I know that there are many older versions of fico that some lenders use which is why there is often disparity between the scores they report they made the decision on versus what myfico or other sites state.  Myfico now shows most of these versions when you buy the report, I was shocked to see the dispartity between versions.

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+1

There are some scoring models with 900 as the higest score rather than the commonly used 850. May be that is making a difference.

[ddemari]

I am pretty sure cap1 is using FICO 04

[CreditCuriosity]

^+1 this is EQ usually being 04  as well and you are saying Barclay's that is TU.08.  So comparing apples to oranges