Venture Denied. Score is WAY off...

[jacksont1981]

I dont see FICO 3 either. Is it called something else?

Found it. Apparently its a version that Experian uses

[TheConstant]

http://ficoforums.myfico.com/t5/Credit-Card-Applications/FYI-Cap-One-using-FICO-3-score-for-Venture-...

Please see my thread above about this.

I bought another credit report from myFICO recently, that may have made the difference in having it or not so it seems.

[taxi818]

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@Anonymous wrote:

wow thats strange... 

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 No. its not strange. as i got approved for my Venture. and beleive me i noticed. They are not using a fico. and on my letter it said my score was. 676. which is my current vantage score. on 2 of the bureaus. i knew it immediately . and i look at the paper to make sure it was not a fico. no where on letter did it say it. then i went to ck. and sure enough my scoress on both eq and tu . vantage. 3.0. not the older version. was 676 exactly as cap one said it. so thats where op needs to look. its a vantage score. strictly for the venture card. not their other cards.

[TheConstant]

I disagree with you. The number on my denial letter was my FICO 3 score, which is nowhere near my Vantage score

[Anonymous]

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@TheConstant wrote:
I disagree with you. The number on my denial letter was my FICO 3 score, which is nowhere near my Vantage score

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Did they say the used the Equifax FICO 3? Because in MyFico I only see the

FICO 3 model for Experian.

[Anonymous]

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@jacksont1981 wrote:

I dont see FICO 3 either. Is it called something else?

Found it. Apparently its a version that Experian uses

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Yes, you have Fico 3!  Look under EX.  

[taxi818]

That's on yours. If they used fico 3. My letter does not say fico on it. 100 percent vantage. As I did look at fico 3. And it ckearly says provided by transunion. Not experian.

[TheConstant]

Mine says "Score provided by Experian".

So to sum this up, they're actually using multiple models I guess.

[taxi818]

Yep. Agreed.

[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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Don't use the Cap One score.  It is a Fako.  It shows my score at 708 and it is 22 points higher.  Not sure what scoring sysytem they're using.