Barclay's Arrival free FICO question

[lexrjSD]

I got my free FICO from the ARRIVAL website and it's considerably higher than CK and FAKO, so I was wondering what kind of FICO is it? Is it real FICO or some other?

[Beane]

Barclay, Discover and Walmart use some version of TU FICO.  Credit Karma and Credit Sesame are FAKOs.

[lexrjSD]

is TU FICO the same as getting TU from MYFICO.com?

[IamB2]

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@lexrjSD wrote:

is TU FICO the same as getting TU from MYFICO.com?

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My understanding is no, they are not. Myfico uses TU 04, while others seem to use TU 08. I'm sure someone will correct me if I'm wrong, but pretty sure that's how it is.

[youngandcreditwrthy]

I disagree. Myfico.com, Walmart FICO, and the FICO GECRB uses for clis are always all the same for me. That one is TU 08 I think.

[juggalo9er]

barclay uses fico 08   ck, cs are fako scores....this site i believe uses tu 98

[titanofold]

Yes, you got a real FICO score from Barclaycard. Emphasis on a.

There are 49 different FICO algorithms. Compound that with the FICO being a snapshot in time, and if two scores are ever the same at anytime it's because of coincidence and not accuracy.

[askme3012]

How much time did it take for you to get the FICO score after you opened credit card account?

[Revelate]

To clear up some confusion (I blame myjourney! ):

MyFICO Transunion is '98

MyFICO Equifax is '04

MyFICO Experian is '08