Real FICO Scores

[Anonymous]

I know that the websites like Credit Karma don't use real credit scores, but is the one that Discover Card gives you a real score? I know it says "FICO Credit Score," but I just wanted to make sure. I think it's interesting that Credit Karma says my score is 646, but Discover Card says it is 709. Hopefully the 709 actually means something...

[Aarvard]

CreditKarma uses Vantage Score 3.0, which is a FAKO. Discover and Barclay provide real deal TU FICO 08.

[Kostya1992]

Scores are only meaningful if they are used. If you have a 750 FICO08 score but your 04 is only 680 and you try to get a mortgage, the 04 will be used. So it's really a question of what you're doing. What are you applying for? Car loan? Home loan? Credit card? Everyone uses different scores. The score model that is used by the lender is the only relevant one. Everything else is a FAKO for that specific situation.

[Skye12329]

Personally score is only a number when it comes to credit cards. However as mentioned above house and car loans, they seem to care more about score when it comes to qualifying. To me its the profile, a good profile = a decent score or better chance of approvals.

[Anonymous]

---

@Kostya1992 wrote:

Scores are only meaningful if they are used. If you have a 750 FICO08 score but your 04 is only 680 and you try to get a mortgage, the 04 will be used. So it's really a question of what you're doing. What are you applying for? Car loan? Home loan? Credit card? Everyone uses different scores. The score model that is used by the lender is the only relevant one. Everything else is a FAKO for that specific situation.

---

At this point, I'm not looking to get any more credit. I was just curious about where the scores came from. Thanks for the tip about the models, though. I never knew there were different ones but I'll have to look into that the next time I apply for something.

[onstar]

---

@Aarvard wrote:

CreditKarma uses Vantage Score 3.0, which is a FAKO. Discover and Barclay provide real deal TU FICO 08.

---

I love that about Discover & Barclays.

Is there a credit card that provides real EX or EQ scores?

[gdale6]

---

@onstar wrote:

---

@Aarvard wrote:

CreditKarma uses Vantage Score 3.0, which is a FAKO. Discover and Barclay provide real deal TU FICO 08.

---

I love that about Discover & Barclays.

Is there a credit card that provides real EX or EQ scores?

---

FNBO gives Fico 08 Bankcard enhanced based on EX, if you join DCU savings.checking or savings/CC gives an EQ Fico 04

[Anonymous]

---

@onstar wrote:

---

@Aarvard wrote:

CreditKarma uses Vantage Score 3.0, which is a FAKO. Discover and Barclay provide real deal TU FICO 08.

---

I love that about Discover & Barclays.

Is there a credit card that provides real EX or EQ scores?

---

Merrick gives Fico 08 Bankcard enhanced based on TU. It has mine at 714, which is 18 points higher than the regular 08 Fico of 696 provided by Discover and Barclays.

[Anonymous]

---

@Aarvard wrote:

CreditKarma uses Vantage Score 3.0, which is a FAKO. Discover and Barclay provide real deal TU FICO 08.

---

+1

[takeshi74]

---

@Anonymous wrote:

Thanks for the tip about the models, though. I never knew there were different ones but I'll have to look into that the next time I apply for something.

---

There's a subforum named Understanding FICO Scoring with stickies that contain useful information on this.

---

@onstar wrote:

Is there a credit card that provides real EX or EQ scores?

---

Again, keep in mind that you can't just rely on "real".  Even with FICO's the specific scoring model matters.

Someone mentioned one option for what you're asking that provides a FICO 8 bankcard score.  That score is only useful if a creditor you're apllying to uses a FICO 8 bankcard score.  Some use FICO 8 which is not the same thing (again, refer to the Understanding FICO Scoring subforum and its stickies).  If a creditor uses FICO 8 then a FICO 8 bankcard score isn't relevant as it's not the same scoring model.