Fico score discrepancy?

[Gypsy2]

So confused...
Fico 8 score show 626 for experian. fico 2,34,5 ....all show close to or under 625.
Just applied for cap 1 and was approved and the approval showed they pulled experian and listed my score as 659?? How does that happen?

[hernaemm90]

@Gypsy2 wrote:
So confused...
Fico 8 score show 626 for experian. fico 2,34,5 ....all show close to or under 625.
Just applied for cap 1 and was approved and the approval showed they pulled experian and listed my score as 659?? How does that happen?

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Where are you getting your scores from?

Also, when Capital One approved you and gave you a score did they tell you which scoring model they used?

[KLEXH25]

I’m curious about this as well, because I use the Experian app to get all my scores and lenders will often state a higher score than anything I’ve seen on the app!

[Gypsy2]

I looked at my scores on myFICO and then went to experian.com and double checked it because they did say they pulled experian🤔....they did not tell me what score model was used

[Gypsy2]

I wondered if I was the only one!

[Anonymous]

Anywhere that a score is provided there should be a scoring model referenced to go along with it.  This is usually near the score, at the bottom of the page where the score is in the fine print, or in a FAQ.  If you can't find it anywhere, I'd call the lender and just ask.  A provided score without the scoring model used is in many ways very useless and 100% useless if you're attempting to compare it to another score.