Capital One Score Discrepancy

[SoCalifornia]

I have noticed a trend recently regarding complaints about Capital One providing a discrepancy in barrowers' Fico8 scores (perhaps exclusively Experian).  I was with CapOne a few years back and I don't recall this 'slight difference' in scores before. It's possible I simply missed it.  However, having recently aquired a new Cap card, I just received the layout letter and it claimed a Fico8 Experian score 20 points lower than what Experian reports itself.  It's not a mistaken Vantage score.  Which- is whatever to me, but I'm wondering, what's the deal with this?  Can anyone elaborate on the discrepancy?  I'd hate to lower my opinion of CapOne, as I decided to give them a second go around.  I don't really understand why they would have a different score for approval.  Maybe this could result in data points for rebuilders and growers.

[Anonymous]

Capital One uses the mortgage score models for their lending decisions. You're likely looking at EX 2. 

[SoCalifornia]

Going back over the letter, I see that I must have assumed it was an 8 model pull.  So, I suppose there is no discrepancy.  Why do they pull from Fico 2 mortgage versus Fico 8 bankcard for credit card application?  

[Anonymous]

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@SoCalifornia wrote:

Going back over the letter, I see that I must have assumed it was an 8 model pull.  So, I suppose there is no discrepancy.  Why do they pull from Fico 2 mortgage versus Fico 8 bankcard for credit card application?  

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Older models give different things more weight. I find a lot of lenders that aren't fond of credit seeking stick with the mortgage scores because they really penalize you for it. It could also be something as simple as Capital One not wanting to have to spend the money to develop and roll out UW around the newer models too. Only the companies know why. 

[Anonymous]

I have a question, that I really need answered regarding Capital One Auto Finance.  In 2013, I got an auto loan.  I was in the military at the time.  Once I retired from the military, I found out that the vehicle had not been that the vehicle had not been paid since March 2016.  The vehicle was never repossessed, I am still in possession of the vehicle.  I still have 3 years left on the loan which is now in <charged off> status.  I do not want my car repossessed now, how do I ask Capital One to either remove the item, re-finance, or just drop it all together.  

I am fully retired due to my mental and physical conditions, I am on Social Security Disability Insurance (SSDI), Military retirement and 100% VA disabled.  My wife and I want to buy our forever home in the near future.  What are the recommendations?

[CreditInspired]

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@Anonymous wrote:

I have a question, that I really need answered regarding Capital One Auto Finance.  In 2013, I got an auto loan.  I was in the military at the time.  Once I retired from the military, I found out that the vehicle had not been that the vehicle had not been paid since March 2016.  The vehicle was never repossessed, I am still in possession of the vehicle.  I still have 3 years left on the loan which is now in <charged off> status.  I do not want my car repossessed now, how do I ask Capital One to either remove the item, re-finance, or just drop it all together.  

I am fully retired due to my mental and physical conditions, I am on Social Security Disability Insurance (SSDI), Military retirement and 100% VA disabled.  My wife and I want to buy our forever home in the near future.  What are the recommendations?

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Hi and welcome

Unfietunately, you have hijacked OP's thread with a completely different question. I ask that you ask a mod to move your post to the auto loan forum by clicking 3 dots "Report inappropriate content" and in comments ask for it to be moved to https://ficoforums.myfico.com/t5/Auto-Loans/bd-p/autoloans

Thanks.