Now that my credit is finally getting under control, it's so much stuff i realize everyday that i wasn't aware of. I only had litte info on the differences between FICO vs. Vantage but this morning, i read as much as i could because i checked my score through discover and for some reason my TU score was 702 vs the 674 on my Cap One (which uses vantage). So my quick question is, does Cap One use my Vantage scores or do they still pull the FICO score and Discover vice versa? I kind of wish i hadn't checked with Discover because that over 700 score is giving me too much confidence 🤣🤣. But I shall remain in the garden until at least next year!!!! My goal is Chase Sapphire (not sure but might give up my AMEX green, that AF fee hits different when you haven't even used the card). I'm going to give it a year and see but it sucks right now because I can't really utilize it for what i really wanted it for, which is travel.
