credit score

[Elite1]

I wonder too. Also my credit karma scores are right in line with my real experian from USAA, while the fico by amex is way lower.

USAA and Karma both use Vantage Score 3.0 (Fako), while Amex uses Fico 8.

[Mendelssohn]

I wonder too. Also my credit karma scores are right in line with my real experian from USAA, while the fico by amex is way lower.

Because those scores you get from USAA are NOT FICOs.  That's not a "real" EX FICO score at all.

The score from Amex is an EX FICO 8 score.

[Mendelssohn]

Sources for free FICO scores:  https://creditboards.com/forums/index.php?showtopic=519290&p=5496020

[mendygold92]

How is it possible that my score on transunion is so and so, but when I checked on my discover account which gets the score from transunion, it comes up 34 points more? Any ideas?

[emjee]

How is it possible that my score on transunion is so and so, but when I checked on my discover account which gets the score from transunion, it comes up 34 points more? Any ideas?

IIRC discover is experian IME

[mendygold92]

IIRC discover is experian IME

Sorry I'm not sure I understood the abbreviations
But on my discover account it says that it gets it from transunion

[noturbizniss]

Sorry I'm not sure I understood the abbreviations
But on my discover account it says that it gets it from transunion

http://forums.dansdeals.com/index.php?topic=10531.0

Where are you seeing a transunion score lower than discover

[mendygold92]

http://forums.dansdeals.com/index.php?topic=10531.0

Where are you seeing a transunion score lower than discover

Thanks
On transunion (website) itself

[noturbizniss]

Thanks
On transunion (website) itself

You paid for the score?

[mendygold92]

Yes

[mendygold92]

Btw now that it came up, do you know anywhere I can get the Equifax credit score for cheap or for free?
And, will it work to apply for 3/4 citi's cards at once with 3 browser trick?
And, I see that in NY cities pulls from experian and Equifax, is there a way to freeze Equifax so that they only pull from experian?

[Zalc]

Yes

Is the score you see on Transunions's site a  "VantageScore 3.0" or a "Fico 08"?

IIRC discover is experian IME

The score that Discover provides it's cardholders is Transunions's Fico 08 score. Poidh.

Discover has a separate site, called CreditScoreCard.com that offers a Experian Fico 08 score every 30 days.

Perhaps you were confusing the 2?

[Zalc]

Btw now that it came up, do you know anywhere I can get the Equifax credit score for cheap or for free?
And, will it work to apply for 3/4 citi's cards at once with 3 browser trick?
And, I see that in NY cities pulls from experian and Equifax, is there a way to freeze Equifax so that they only pull from experian?

You can get a free 7 day trial from Credit Check Total, see all 3 reports and scores, cancel after a few days.

Citi only lets you apply for 1 card at a time these days. Search up about their 8/65 day rule on how often you can apply for a new card, but it's off topic for this thread.

I always apply for Citi with EX (Experian) Frozen, and they pull EQ (Equifax) for me.

[mendygold92]

You can get a free 7 day trial from Credit Check Total, see all 3 reports and scores, cancel after a few days.

Citi only lets you apply for 1 card at a time these days. Search up about their 8/65 day rule on how often you can apply for a new card, but it's off topic for this thread.

I always apply for Citi with EX (Experian) Frozen, and they pull EQ (Equifax) for me.

Thanks for the info.
I'm extremely confused now, since I che Ked that website you mentioned and my transunion comes up as 18 points less then transunion website, (53 less then discover

You can get a free 7 day trial from Credit Check Total, see all 3 reports and scores, cancel after a few days.

Citi only lets you apply for 1 card at a time these days. Search up about their 8/65 day rule on how often you can apply for a new card, but it's off topic for this thread.

I always apply for Citi with EX (Experian) Frozen, and they pull EQ (Equifax) for me.

Thanks for the info.
I'm extremely confused now, since I checked that website you mentioned and my transunion comes up as 9 points higher then discover, (43 higher then transunion website) but my experian is 50 less then on experian's website

[Zalc]

Is the score you see on Transunions's site a  "VantageScore 3.0"
What about the Discover site?

Please answer this.

Thanks for the info.
I'm extremely confused now, since I che Ked that website you mentioned and my transunion comes up as 18 points less then transunion website, (53 less then discoverThanks for the info.
I'm extremely confused now, since I checked that website you mentioned and my transunion comes up as 9 points higher then discover, (43 higher then transunion website) but my experian is 50 less then on experian's website

Experian's website?
What did they charge you?

[mendygold92]

Is the score you see on Transunions's site a  "VantageScore 3.0" or a "Fico 08"?The score that Discover provides it's cardholders is Transunions's Fico 08 score. Poidh.

Discover has a separate site, called CreditScoreCard.com that offers a Experian Fico 08 score every 30 days.

Perhaps you were confusing the 2?

It's vantage score..
How can I know which one will it go by (fico 08, or vantage score) when it comes to applying for a cc?
My Equifax is terrible compared to transunion or experian, so if I apply for citi I should freeze Equifax, no?

[mendygold92]

Please answer this.

Experian's website?
What did they charge you?

Yes, their website, and they charged me 1$ like by transunion

[Zalc]

It's vantage score..
How can I know which one will it go by (fico 08, or vantage score) when it comes to applying for a cc?
My Equifax is terrible compared to transunion or experian, so if I apply for citi I should freeze Equifax, no?

Citi uses a version of the Fico 08 score.

Vantage scores are almost useless for credit card applications.

Credit check total should have given you a Fico 08 score for each one, no?

[mendygold92]

Citi uses a version of the Fico 08 score.

Vantage scores are almost useless for credit card applications.

Credit check total should have given you a Fico 08 score for each one, no?

Ok thanks
Yes they did, and transunion came out amazing, but experian much lower (62 less then transunion) and Equifax even lower (18 less then experian)

[Yitzshpitz]

I just checked my Amex FICO score and it shows a 6 point decrease in my credit score from a month ago when I have had no pulls and no late payments during the month. What might have happened?