MYFICO question.....

[omarinho10]

is the score that is being shown to me on myfico my real scores??? becuase a few months ago i applied for a credit card and got denied, and at the bottom it said that my experian score was 637 but in myfico its showing as 710.... or could it be that capital one pulled a diffrent version of my score?

[dragontears]

The score shown on myfico is your FICO 8 score, cap1 uses an older model so that is why the scores were different

[omarinho10]

ahhhhh ok i see, well it seems that companies use different scores but which one uses the FICO 8 version?? i just need it for futre refferences

[SouthJamaica]

---

@omarinho10 wrote:

is the score that is being shown to me on myfico my real scores??? becuase a few months ago i applied for a credit card and got denied, and at the bottom it said that my experian score was 637 but in myfico its showing as 710.... or could it be that capital one pulled a diffrent version of my score?

---

Yes it's real. The one that gets updated all the time with MyFICO monitoring is FICO 8, which is probably the most used of the scoring models for credit cards.

Many lenders use other models, though. Those scores aren't updated for us until we pull a 3B report.

Capital One actually pulls EQ FICO 5.

[SouthJamaica]

---

@omarinho10 wrote:

ahhhhh ok i see, well it seems that companies use different scores but which one uses the FICO 8 version?? i just need it for futre refferences

---

Many use FICO 8. I have random notes for just a few:  Affinity FCU, Langley FCU, Santander Bank.