Capital One Score?

[Anonymous]

hi all

I was reading over my denial letter from capital one, and i noticed the score was the same as creditkarma score which is lower than myfico. Does anyone know if capital one uses vantagescore?

[nycplayboy78]

Capital One uses FICO for their scoring scale. I have a Cap1 card and it uses Experian FICO scoring model.

[Anonymous]

I know they pulled all 3 of my cr but the score they showed was equifax was just lower than the one on myfico and same as vantage. Maybe i am missing something.

[Anonymous]

The credit score they pull for your application is based on the Fico model like other lenders. The score they give you on CreditWise is the TransUnion VantageScore 3.0.

Sometimes I have found that your FICO score and your score on Credit Karma are close. But it doesn't seem to be the norm. Right now my wife's score is within 5 points across the board, as of February. It just worked out that way. 

[nycplayboy78]

From Capital One Credit Traker website:

Lenders use many scoring models to calculate your credit score. All these methods take into account key factors, including your history of on-time payments and credit report details, to measure how likely you are to repay a loan. Your Credit Tracker score is based on the TransUnion New Account Model and is intended for consumer informational purposes only.

[mrcrisp023]

I've found that my Fico scores are nowhere near my credit karma scores. I heard about 6 months ago that credit karma scores are typically much lower than your fico scores and that proved to be correct for me. One of my credit karma scores are 60 pts lower than my fico, and the other one about 70 pts lower. However, I suggested my brother get a Myfico account because his credit karma scores are likely lower than his real fico scores, but his fico scores were actually lower than his credit karma scores. At the end of the day, I place my trust in my fico scores over my credit karma ones.

[Creditplz]

My Fico scores are 82 points ahead of my Vantage 3.0.?? I hope Capital One pull Fico and not Vanatage.. Although I though they pull Fico 04?

[Anonymous]

Capital One's new online credit score reporting system (CreditWise) is not a FICO 08 score and I find it to be useless. I don't even look at it.

If you have DIscover and/or Barclaycard, use their scores as they provide an accurate FICO 08 score. Capital One does not.

[Anonymous]

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@mrcrisp023 wrote:
I've found that my Fico scores are nowhere near my credit karma scores. I heard about 6 months ago that credit karma scores are typically much lower than your fico scores and that proved to be correct for me. One of my credit karma scores are 60 pts lower than my fico, and the other one about 70 pts lower. However, I suggested my brother get a Myfico account because his credit karma scores are likely lower than his real fico scores, but his fico scores were actually lower than his credit karma scores. At the end of the day, I place my trust in my fico scores over my credit karma ones.

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Credit Karma scores are useless. Please do not use them for the purpose of determining your actual score.

[Anonymous]

Citi gives EQ, Amex gives EX, Discover gives TU. Clean sweep if you have them.  I'm not sure if they're FICO 08 or not.