Credit Score Question

[Anonymous]

I'm 18 and I have gotten accepted for the CapitalOne Journey Card. I've had the card for 1 month now will be 2 in next week.

The credit score they give me on the capitalone credit tracker is 728 and says its powered by Transunion but on Credit Karma transunion has my score at 665 and equifax is  677.

Which one should think is true? 

Why are both Transunion scores different?

[Anonymous]

Never trust Credit Karma's score.  It is not a real Fico score.  

[Anonymous]

The cap one isnt either.

[Anonymous]

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@Anonymous wrote:

The cap one isnt either.

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I figured as much, but can't speak from experience because I don't use Crap One.

[Anonymous]

they are old fico models.. they are not fico 08 .. dont trust them... want your real scores get them here or get a card with free fico score like discover barclays citi, and freedom slate. but it looks like your scores are too new.. garden my friend garden and garden

[Anonymous]

^Freedom gives you your FICO score? 

[Anonymous]

I like Cap Ones card,rewards,and web site..just not their credit scores. Luckily I can get them on here. 

[CH-7-Mission-Accomplished]

Also Wal-Mart gives a free TU FICO score monthly.

[Anonymous]

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@Anonymous wrote:

they are old fico models.. they are not fico 08 .. dont trust them... want your real scores get them here or get a card with free fico score like discover barclays citi, and freedom slate. but it looks like your scores are too new.. garden my friend garden and garden

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I thought Citi don't give fico 08, do they?

[takeshi74]

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@Anonymous wrote:

Which one should think is true? 

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"True", "real", etc aren't really relevant.  You can't just assume that all scores -- even based on the same CRA data -- are the same.  The specific scoring model matters.  As for which one you should rely on, that all depends on who you're applying to.  Creditors don't all use one scoring model.  If you want to know what a creditor will pull for you then you need to know both the CRA and model used.  Even then, you can't always get that score.

Even FICO has a number of different scoring models used by creditors so you can't just assume that one FICO is what all creditors will pull for you.

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@Anonymous wrote:

Why are both Transunion scores different?

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CO provides a TransUnion New Account score.  CK now provides VantageScore 3.0.

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@Anonymous wrote:

^Freedom gives you your FICO score? 

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Not that I've seen.

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@Anonymous wrote:

I thought Citi don't give fico 08, do they?

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It's a FICO 08 but it's a bankcard score.

See also the Understanding FICO Scoring subforum, its stickies and discussions as well as prior discussions on scores.  They're a very common topic.