Fico Scoring

[Themanwhocan]

Vantagescore is not a FICO score and basicaly not used, and NextGen is a FICO score that is basically not used.

I consider a pure FICO and FICO Bankcard scores to be useful, true FICO scores that are actually used. Sorta like the difference between Canadian, and French Canadian.

[Anonymous]

You have to dig and read the small print. According to Discover's site, they provide the Fico Score 8 model. 

[Anonymous]

Thanks for the answers guys

[Dw4250]

I've been steeped in the "FICO world" for the better part of two years and I still do not understand why there are such discrepancies between even true FICO models. For example there is an almost 50 pt difference between my 08 and 04. Same info; just things weighted differently.

[Anonymous]

Yeah, I'll never understand it either lol.

[Anonymous]

Discover & Barclay's is a real fico.  Cap One is neither Fico or the new Vantage score.  I believe it's the old Vantage scoring model.  Most of the others take forever to update.

[securingourfuture]

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@Lincoln465 wrote:
Thanks. Yea capitalone credit score for me is my lowest one. In everything

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Yes Cap1 seems to be a few weeks behind with updates too. My most recent still showed balances that were paid off over 30 days ago.

[gdale6]

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@Anonymous wrote:

Discover & Barclay's is a real fico.  Cap One is neither Fico or the new Vantage score.  I believe it's the old Vantage scoring model.  Most of the others take forever to update.

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Cap-1 score is the TU new accounts model FAKO

[Themanwhocan]

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@Dw4250 wrote:
I've been steeped in the "FICO world" for the better part of two years and I still do not understand why there are such discrepancies between even true FICO models. For example there is an almost 50 pt difference between my 08 and 04. Same info; just things weighted differently.

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Yes, a lot of us weighed less in '04

[Anonymous]

My Barclay FICO is exactly what my true TU FICO score. Same with Discover. But, my CapOne is so bad I don't even bother checking it. I looked tonight just now before replying to this - 650...huh??