Is there a "Real" score I can see before I apply for a card?

[CreditCuriosity]

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@Anonymous wrote:

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@CreditCuriousity wrote:

Login to their site https://www.lendingclub.com/ and it will give you the link right there... I am really curious if you have time..  801 just isn't right for a denial..  I am wondering if it the product I applied for being medical expenses.. I didn't think 15k was a bad amout to ask for, but apparently it was lol.  Can't believe you got denied...  The quoted Innovis as well so maybe that came into play?  I thought I had Innovis locked..  I know it is a SP, but TU is only bureau I don't have locked.. I assume someone can do a SP against your credit even if locked being Innovis?  Need to look through and give them a call to ensure it is on ice.

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I checked.  Said 'excessive inquiries'.  Only reason listed

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Dumb reason... Still don't understand mine as I don't think a Student Loan and a Car payment being equal to 80k with my income and the terms of the loan as over extended.. Student loan payment is 200ish a month, well car payment is 800ish month and rent is 1k...  so 2k in re-occuring bills when I bring home 7k a month...  So ya their math doesn't work..

[Anonymous]

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@Anonymous wrote:

@Anonymous Does BofA, Discover and AMEX just pull and give you one score from one bureau like Cap1 and Walmart that pull TU? I heard AMEX pulls only Experian correct?

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Yes, but the Cap1 TU is a FAKO score, the Discover is your true TU FICO 08, Amex is your true EX FICO 08, and I'm not sure about BofA cause I don't have one

[Anonymous]

Yes, I know Cap1 is FAKO it's the exact same score/formula as Credit Karma if people didn't know. Walmart is suppose to be your true FICO-08 score.

[Anonymous]

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@Anonymous wrote:

Yes, I know Cap1 is FAKO it's the exact same score/formula as Credit Karma if people didn't know. Walmart is suppose to be your true FICO-08 score.

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Not anymore. The new version of Credit Karma dropped it, and now uses strictly Vantage 3.0.

[Anonymous]

Not for everyone. My two Cap1 scores are identical still with every Credit Karma score I've ever got. Now with CK changing a bunch of things like offering free weekly FAKO Equifax scores things may change. But as of today and my last weekly CK update a few days ago everything is exactly the same as Cap1, not just the scores but everything on the credit report down to my current balances.

[Anonymous]

Everyone who logs in to the new version. You must be logging in to the old version. Use this link for the new:

http://bit.ly/1y1Xprc

[Anonymous]

WOW! What just happened! You gave me the double secret probation link and viola! 

Does anyone use Vantage Score 3.0 anymore? What was Credit Karma using for a credit score model before?

Ok, so before I had a 681 Cap1/Credit Karma score, now with the beta model my TU now says 753 and EQ 751.

[Anonymous]

I found this article about how many of top 10 financial institutions, auto lenders, credit card issuers and mortgage lenders use Vantage Score.

http://www.credit.com/credit-scores/vantagescore 

[Anonymous]

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@Anonymous wrote:

WOW! What just happened! You gave me the double secret probation link and viola! 

Does anyone use Vantage Score 3.0 anymore? What was Credit Karma using for a credit score model before?

Ok, so before I had a 681 Cap1/Credit Karma score, now with the beta model my TU now says 753 and EQ 751.

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Pretty sure nobody uses Vantage. Now, here's weirdness. My old CK score was also 681, and my new TU score is 754. EQ is only 703, though.

[Anonymous]

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@Anonymous wrote:

I found this article about how many of top 10 financial institutions, auto lenders, credit card issuers and mortgage lenders use Vantage Score.

http://www.credit.com/credit-scores/vantagescore 

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You can ignore that article. It's really just a promo for Vantage.