Venture Denied. Score is WAY off...

[Anonymous]

Cap One said my DW has a EQ score of 582. My Fico shows 654. Even with the diff scoring models, none of them come close. Whats up with that??  

[-Cal-]

Did they say it was a FICO score? 

[Anonymous]

Cap 1 had my score at 630....all my scores are low 700's..they are using some internal scoring system..

[Anonymous]

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@-Cal- wrote:

Did they say it was a FICO score? 

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No, but i assumed it was because it uses a range from 300-850.

[techiegirl]

My 3 scores are in the near 800 range (794, 808, 810) and my Capital One approval score was 760.  

[Anonymous]

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@Anonymous wrote:

Cap One said my DW has a EQ score of 582. My Fico shows 654. Even with the diff scoring models, none of them come close. Whats up with that??  

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Did you pay MyFico to see your updated additional score models? Keep in mind that the only score that's updated with the subscription is the FICO 8. 

[Anonymous]

wow thats strange... 

[Anonymous]

It's possible they either: 

1) Use an internal score for you that they calculate themselves based off of data provided by the CRAs... -or-

2) Use a version of FICO that isn't FICO08.

[TheConstant]

It's not internal scoring.

They're using FICO 3, which is a real FICO Credit Scoring Algorithm.

I had the same issue a month and a half back.

You can see your FICO 3 in the "Scores" section of myFICO. Some have claimed to be unable to see a FICO 3.

FICO has given you more versions than FICO 8 now.

[-Cal-]

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@TheConstant wrote:

It's not internal scoring.

They're using FICO 3, which is a real FICO Credit Scoring Algorithm.

I had the same issue a month and a half back.

You can see your FICO 3 in the "Scores" section of myFICO. Some have claimed to be unable to see a FICO 3.

FICO has given you more versions than FICO 8 now.

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I can't see my FICO 3, just 8 & 5. I wonder how many other versions they're keeping from me