Differences between Credit Card scores

[Delta22]

Hello Everyone,

Hope everyone had a wonderful week.  I am looking for some help understanding why my credit scores are showing different numbers when I check my score.  I currently Capital One, Citi, Discover and Chase.... On all of my credit trackers on the sites says I'm over 700.  But I believe two of my cards use Transunion, but both show a different score.  One shows 702 and the other shows 721.... 

We are in the process of selling out house, and trying to see if the scores on the credit card companies are a good number to get a feel for what a lender would see?  

I know credit scores and what everyone uses can be difficult to understand.  

Thanks for any informatinon or insight.  Have a wonderful week!

[iheartwings]

I hope this helps you:

Capital One provides a VantageScore 3.0 (not a FICO)

Citi is a FICO8 Bankcard Enhanced

Discover is a FICO8 TU

Chase is a FICO8 EX 

So, your Discover and CapOne credit scores will not be the same because while they are credit scores, they aren't from the same scoring model. 

If you are looking to see what a lender might see with regard to a mortgage, these scores are not used, rather EQ 04 , TU 04, and EX 98.  These scores can be well below, or well above FICO8 scores.

You might want to check out the Mortgage Loans forum for more information, as well as check out this sticky from that forum:

http://ficoforums.myfico.com/t5/Mortgage-Loans/FICO-scores-used-for-mortgage-and-where-to-obtain-the...

[Anonymous]

Ignore Cap One, it does use TU data but it is not a Fico score. Discover is a real Fico 8. That said, while mortgage lenders do use Fico, they use an earlier version so your Fico 8 from Discover may or may not be an indication of what they're seeing.

[Delta22]

Where can I get a glimpse at the score models you mentioned above?  

Thank you for the reply

[Anonymous]

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@Delta22 wrote:

Where can I get a glimpse at the score models you mentioned above?  

Thank you for the reply

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You need to buy a 3B report from this site.

[Delta22]

I guess my biggest issue, is trying to determine where I'm sitting right now, as all credit scores are showing 702 and above.... I know different models use different factos.  Where can I get the best estimate to where I stand or what a lender would see? 

Thank You

[Delta22]

Thank You

[iheartwings]

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@Anonymous wrote:

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@Delta22 wrote:

Where can I get a glimpse at the score models you mentioned above?  

Thank you for the reply

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You need to buy a 3B report from this site.

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Yes, the 3B report is actually helpful in that it has scores for Mortgage, Auto Lending, and variations of the Credit Card scores. 

[Delta22]

Will this add a hard pull or any alerts?  If not, I'll go ahead and purchase this and see where I'm at and report back on the correct forum

[Kevin86475391]

Checking your scoers does not create a hard pull or affect your scores in any way.