Credit One Bank - FICO scoring?

[Anonymous]

I apologize if this is the wrong forum for this sort of question, but I recently opened up a Credit One Bank credit card. They provide a credit score online once a month. It looks like this might actually be a FICO score!

It looks quite possible since I had my credit pulled by a lender and it showed a score of 626, which is exactly the score that Credit One shows me for Experian. On Experian's website (PLUS score?), I have a 593. If this is an actual Experian FICO score, it would be very exciting. Thoughts?

[haulingthescoreup]

Does it say on there anywhere that it's a FICO? (as opposed to "credit score".) If not, then it's not.

Try scrolling to the very bottom and looking for a message in the palest grey, in minus-6 point font size. That will generally tell you where the score comes from.

It's possible that they're offering FICO scores, but I sure haven't heard that Credit One had jumped on that particular bandwagon.

[Anonymous]

Don't see anything stating explicitly that it's a FICO score, or any other particular "brand" of score for that matter...  (insert sigh here). Wishful thinking, perhaps. It is curious that their score is so different from the one I got directly from Experian, though I'm sure Experian has a variety of algorithms they can use or provide to creditors for their customers.

[haulingthescoreup]

If it's a TU-based FAKO, it wouldn't be surprising that it's different from EX's FAKO.

There's quite a growth industry in FAKO's, I'm afraid!

It could even be a different type of FICO, like a credit-card-enhanced/ "industry" score. Some banks used to supply those. Providian, the fore-runner of WaMu, which was swallowed by Chase, used to display TU FICO credit-card-enhanced scores, which were often called P-FICO's (P for Providian.)

These were exciting, because even though they were from FICO, they had a different score range and were derived from a different formula than classic FICO scores. Boy, we used to go round and round on those.

[Anonymous]

Dizzying. It's amazing to me that there's so much of this sort of thing going on. It's nearly impossible to obtain your actual credit score that lenders will use, until you actually apply for credit. Granted, I'm sure I'm not saying anything new here, but it's just amazing that it's so difficult to get an accurate picture of one's credit worthiness.

[Anonymous]

I've also been wondering if this is Fico.  The Credit One Experian score only matched my Plus score once. All other months thy've been nothing alike. Last month they differed by 80 points.

The fine print:

Your credit score is provided to us by Experian (a credit reporting agency). If you believe your credit report is incomplete or contains inaccurate information, you should contact Experian directly at 1-866-673-0141 or visit www.experian.com/disputes/ to correct the information.

[haulingthescoreup]

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@Anonymous wrote:

...The fine print:

Your credit score is provided to us by Experian (a credit reporting agency). If you believe your credit report is incomplete or contains inaccurate information, you should contact Experian directly at 1-866-673-0141 or visit www.experian.com/disputes/ to correct the information.

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FAKO. Experian has several different FAKO's in use. PLUS scores, Vantage, etc.

I will cheerfully wipe the egg off my face if it turns out that they're using FICO's! But I doubt that Credit One, of all people, are providing free FICO's, for which they have to pay.

[Anonymous]

At this point I'd likely give my right leg for a decent way to get an Experian FICO score. Just kidding. Kinda. I'm guessing there's still no real way to do this without applying for a loan?

[laz98]

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@Anonymous wrote:

At this point I'd likely give my right leg for a decent way to get an Experian FICO score. Just kidding. Kinda. I'm guessing there's still no real way to do this without applying for a loan?

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LOL......i'm right there with you!  it's so annoying not to be able to see how my score is progressing.

[haulingthescoreup]

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@Anonymous wrote:

At this point I'd likely give my right leg for a decent way to get an Experian FICO score. Just kidding. Kinda. I'm guessing there's still no real way to do this without applying for a loan?

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Move to Pennsylvania, get a job with the right employer, and join PSECU?