My Experian fico score from freecreditscore.com is showing 737 but when I got the letter explaining why I got declined it's showing that my score is 691. I called the capital one applications department to ask which model was used and they told me that they were not trained to know that information. They also told me that the underwriting department at capital one does not give any information to capital one customers about their scoring procedures. Some people on myfico are saying that maybe the fico4 model is being used. What major factors differentiate the fico04 from the fico08?
