![]() ![]() If you'd like your 3 FICO 08 scores for $1, you can get them from Credit Check Total. Any time one of these factors differs between two scores, you aren't making a valid comparison of scores. The only time 2 scores can really be compared, apples to apples, is if they are generated at the same time using the same scoring model using the same bureau data. If you go to your Care Credit account and look the score they give you, somewhere on that page perhaps in some fine print it should say something to the tone of, "FICO 08 score based on TransUnion data" - this is where you'd find out which scoring model and bureau they are using to provide you with that score. When you were approved for your auto loan, no doubt some sort of FICO score was used. Chase Credit Journey provides the same near-worthless VS 3.0 TU score that you can get from Credit Karma, Credit Sesame, Capital One Credit Wise and probably a dozen other sources. Trying to compare any one to any other is like comparing apples to oranges. Thank you!Īll of the scores you are looking at are generated using different scoring models. I want everything in good order so I can apply for a competitive mortgage in a couple of years with my husband, so any help you guys can provide about what to do would be helpful. Why are these so different? There was no contact information to inquire about this, and I don't really know what to do to improve it. I successfully paid off an auto loan this January that was never late in the almost 6 years I had it.īut I do have a very high debt-to-credit ratio (I have 9 credit cards, and my utilization is 50% or higher on all of them), and I have ample public student loan debt ($170k, although it's not in 'active' collections yet since I'm wrapping up my dissertation and am technically a FT student while I do that).ĬareCredit offers its users a 'MyFico' score (I don't know which Fico score it is, sorry for my ignorance) and as of late last week, it said it was 696. I have never had anything go into collections. I have not been late on any of my cards since (and my newest card is about 2.5 years old). I was only late once on three of my credit cards 10 years ago (October 2007, to be exact). My oldest accounts are two credit cards that have been open for 13 years. When it broke down my score factors, the top reason was that my oldest account is too new. At the end of last year, I was told when I was going for a pre-approved auto loan that my score was 705 (not great, but not '625' level). I accessed it 2 weeks ago and it says that my score is 625 - I almost fell off my chair. ![]() It appears that it's linked to the TransUnion Vantage score. I am a member of Chase bank, and recently, they've begun to offer something called "Credit Journey" to its members. I wanted to join in order to get some feedback from "real" people who get it and care about their credit, rather than 'yes' men/women of credit companies. My name is Christina, and I am new to these boards. ![]()
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