Credit Score Tracking From Capital One

[Kenny]

 How does TransUnion credit score differ from FICO?"

"Lenders use many scoring models to calculate your credit score. All these methods take into account key factors, including your history of on-time payments and credit report details, to measure how likely you are to repay a loan. Your Credit Tracker score is based on the TransUnion New Account Model and is intended for consumer informational purposes only. In any scoring model, a higher score is always better."

Where does this score come from? "

"Your Credit Tracker score is calculated based on the TransUnion New Account Model. The model utilizes information in your TransUnion credit report, which may include your bill pay history, amount of available credit, number and age of open accounts, recent credit activity, etc. Credit Tracker provides an educational score courtesy of TransUnion, one of three nationwide credit bureaus, and uses only credit report information from the TransUnion database."

aka fako.

[coldnmn]

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@mongstradamus wrote:

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@coldnmn wrote:

I don't know if it's Fico or Fako. But I know it's not the same as CredtKarma. I have both and there not even close to the same for me.

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That's interesting because for me everything on cap one score tracker and ck is exactly the same. Same exact score also. 

I would just use cap one and ck for monitoring purposes. Use either discover ,walmart,or Barclay for their true tu 08 fico scores

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That's all that any of them are good for unless you know which one the creditor uses. Even the true Fico's are different.

[sexy_kitten7]

To Clarify:

TU FICO: Discover and Barclays

TU FAKO: Credit Karma, Capital One

You can google this if you don't believe me.

[coldnmn]

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@sexy_kitten7 wrote:

To Clarify:

TU FICO: Discover and Barclays

TU FAKO: Credit Karma, Capital One

You can google this if you don't believe me.

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I believe you. But unless you know which Fico score the creditor uses all any of them are good for is to monitor your progress. There can be a 30 point difference between true Fico scores.

[tattooedhusker]

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@mongstradamus wrote:

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@coldnmn wrote:

I don't know if it's Fico or Fako. But I know it's not the same as CredtKarma. I have both and there not even close to the same for me.

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That's interesting because for me everything on cap one score tracker and ck is exactly the same. Same exact score also. 

I would just use cap one and ck for monitoring purposes. Use either discover ,walmart,or Barclay for their true tu 08 fico scores

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+1. Same for me here.

[TiggerDat]

It doesn't appear online for everyone.  In this instance it would then have to be used through the mobile app.  It is not online for me, but I can get it through the app.  And yeah it is basically what I get from CK.

[mikedboh]

Sorry to revive an old post but just thought I'd confirm that CapOne is FAKO.

I am getting my true fico from walmart and it is much higher than CapOne.  Also, my capone matches my creditkarma score when they update the same week.

[takeshi74]

There isn't just one true FICO.   Scores are a very common topic.  Don't overlook prior discussions and the Understanding FICO Scoring subforum.  Even with FICO there are a number of different scoring models used by creditors.

CO provides a score based on the TransUnion New Account model.  The same score was used by CK but CK recently switched over to Vantage 3.0.