The difference between your EX FICO 8 and the EQ score provided by CapOne may be due to the FICO score model used by CapOne. Data points indicate CapOne uses one of the older FICO versions --for EQ, it has been noted that FICO 5 (mortage score) is used.
@Anonymous wrote:Slight back story, i use experian to check all of my scores, hit the love button just to see what would happen as my capital one card was just upgraded from a platinum to QS, they declined it (bummer) but the score they provided in the decline letter from equifax was over 100 points lower than the one showing on experian and I was wondering how this was possible?
You should still pull all three reports though, as suggested by @CreditInspired, just to ensure that they are all accurate. You can do that for free through annualcreditreport.com (reports only, no scores).
Note: If you already have the Experian membership -- you cannot use the CreditCheckTotal $1 trial as it is owned by Experian. They will require you to log in with your current membership username / password and you would have to upgrade to one of the paid memberships get all three reports & scores. You can do that, but the Experian memberships will only give you mortage scores for Experian, not for Transunion and Equifax - they will only provide FICO 8 scores for those two bureaus.
To see all 28 of your FICO scores (FICO 8, auto, mortgage, bankcard, and FICO 9) , you would have to purchase a 3B report from myFICO. Then you could match up the score quoted by CapOne to one of the 28 scores provided to confirm the model used by CapOne.
@Anonymous wrote:No ive never pulled them, ill have to do that. But the scores in my sig are from experian and they line up for the most part with discovers score card for the fico 8 and credit karma for the tu and eq as well as the score from creditwise from capital one. Just was confused about the difference in score that capital one provided in the decline letter.
Yes... CapOne is likely using the older model FICO 5 which is your EQ mortgage score.
The score you receive from Experian is your Experian FICO 8.
The score from Disco scorecard is also Experian FICO 8 (unless you are referring to the one you receive through your cardholder account - then that would be Transunion FICO 8).
You have 28 different FICO scores and, while the most widely used version is FICO 8, some lenders may use one of the other FICO versions.
CreditKarma and Creditwise scores are of the Vantage 3 model so should not be compared to your FICO scores at all -- even if they tend to be close in range because that can all change at the drop of a hat since the two models respond to aspects of your credit differently.