Credit Limits and scores, just give up and go with the flow

[Anonymous]

I posted on here earlier in the month  about geting an offer from Citibank  which they then turned me down even for their low credit score card.

A week later barclaycard increases my limit from $1500  to $4000, Cap one from $500 to $1600..Cap one GM card to $2000..Walmart..yes i have a walmart card  frm $300 to $1000.

Also got a used car loan  at 4%.( $9000)

Of course the FICO score shown on the car loan is far better than what shows on Capital Ones free score and a LOT better than the miniscule score shown n Credit Karma.

I just give up..trying to plan   just pay everything on time and pay down the credit utilization and ignore 90% f the credit siteso n the web!

Is this stuff meant to bamboozle on purpose?

[elim]

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@Anonymous wrote:

I posted on here earlier in the month  about geting an offer from Citibank  which they then turned me down even for their low credit score card.

A week later barclaycard increases my limit from $1500  to $4000, Cap one from $500 to $1600..Cap one GM card to $2000..Walmart..yes i have a walmart card  frm $300 to $1000.

Also got a used car loan  at 4%.( $9000)

Of course the FICO score shown on the car loan is far better than what shows on Capital Ones free score and a LOT better than the miniscule score shown n Credit Karma.

I just give up..trying to plan   just pay everything on time and pay down the credit utilization and ignore 90% f the credit siteso n the web!

Is this stuff meant to bamboozle on purpose?

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   no it's meant to pry some $$$ from your pocket when you click on links or subscribe to their version of scores.

[Anonymous]

Capital One gives me this score, Amex gives me that score, Discover gives me another card as does Credit Karma.  I have come to realize that the only scores I pay attention to are the ones that I pay for. Every few months, I purchase a credit report and score from one of the three, usually Equifax through Fico.  I used to fret about these free scores provided by everyone, but now, I just disregard. 

[Anonymous]

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@Anonymous wrote:

Capital One gives me this score, Amex gives me that score, Discover gives me another card as does Credit Karma.  I have come to realize that the only scores I pay attention to are the ones that I pay for. Every few months, I purchase a credit report and score from one of the three, usually Equifax through Fico.  I used to fret about these free scores provided by everyone, but now, I just disregard. 

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The scores from Amex (Experian or Equifax, I can't remember which) and Discover (Transunion) are actualy FICO scores. The others are not.

[NRB525]

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@Anonymous wrote:

I posted on here earlier in the month  about geting an offer from Citibank  which they then turned me down even for their low credit score card.

A week later barclaycard increases my limit from $1500  to $4000, Cap one from $500 to $1600..Cap one GM card to $2000..Walmart..yes i have a walmart card  frm $300 to $1000.

Also got a used car loan  at 4%.( $9000)

Of course the FICO score shown on the car loan is far better than what shows on Capital Ones free score and a LOT better than the miniscule score shown n Credit Karma.

I just give up..trying to plan   just pay everything on time and pay down the credit utilization and ignore 90% f the credit siteso n the web!

Is this stuff meant to bamboozle on purpose?

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Here's a little cheat sheet to help sort the noise:

CapOne doesn't give you a real FICO. It is a lot lower than my FICO 08, and is on another algorithm.

The car loan is likely a different algorithm than FICO 08. The myFICO range of scores provided have the auto scores different than FICO 08.

Credit Karma is not FICO 08. Full stop.

Even the scores directly from the credit bureaus are most likely not "FICO 08" that would be used for credit cards.

The Discover score (not sure OP has one) is a true TU FICO 08 score.

The Chase Slate score is a true EX FICO 08 score. The AMEX EX seems to be accurate as well.

The Citi EQ score (if you have the right card to get it ) looks like a true EQ FICO 08 scores.

I compare these to my paid for myFICO 3B scores here, and they are very close.

Others have used CCT scores with good accuracy, I have not.