What report does the Apple Card use

[Anonymous]

These are my current scores but it differs from what Apple uses and from my vantage score from Credit Karma. What could they be using? I also have no deragatory accounts that I am aware of.

[blindambition]

They use TU FICO 9.

[Anonymous]

My understanding is Apple Card uses TransUnion FICO 9. 

[Anonymous]

What's on your TransUnion report that is killing your FICO9 score from them?

(I'm taking an interest because my FICO9 is always 100 pts lower than my FICO8, and I'm wondering if you're in the same boat - looking for DPs)

[NRB525]

What does your MyFICO TU FICO 9 look like? Any correlation to what GS is telling you?