What is my Real FICO Score?

[CA4Closure]

Discover (TransUnion) FICO Score 8 - 743

Capital One (Vantage Score 3.0) - 816

* This jumped 51 points this week!
Chase Freedon Unlimited (Vantage Score 3.0) - 816

CitiCostco (FICO BankCard Score 8) - 782

* This dropped 6 points this week.
Chevron (FICO Score 8) - 741

One Baddie - Foreclosure which is scheduled to be dropped from my CRAs around March 2019. Noother derogatories.

[Anonymous]

Anything that says "FICO" is a real FICO score.  There are many different FICO score versions and 3 different bureaus whose data can be used with any of those versions to produce a score.

The VS 3.0 scores you mentioned are not FICO scores.

[jamie123]

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@CA4Closure wrote:

Discover (TransUnion) FICO Score 8 - 743 Real FICO Score

Capital One (Vantage Score 3.0) - 816 Not a FICO Score and not used by lenders

* This jumped 51 points this week!
Chase Freedon Unlimited (Vantage Score 3.0) - 816 Not a FICO Score and not used by lenders

CitiCostco (FICO BankCard Score 8) - 782 Real FICO Score

* This dropped 6 points this week.
Chevron (FICO Score 8) - 741 Real FICO Score

One Baddie - Foreclosure which is scheduled to be dropped from my CRAs around March 2019. Noother derogatories.

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Each CRA has about 7 real FICO score versions that are tailored for different markets to use. (Auto loans, credit cards, mortgages, etc.) The FICO score 8 and the FICO Bank Card 8 are the scores that are most widely used for credit card lending.

The Vantage Score 3.0 is considered an educational score for consumers to use and is not used by very many lenders to make credit decisions. You really should put zero weight into a Vantage score as they can vary widely from your true FICO score that will be used to make credit decisions.