Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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Varying credit scores post-BK?

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  • Varying credit scores post-BK?

    I was discharged from Chapter 7 last July. I began monitoring my FICO credit score monthly through MySynchrony soon after that and it has remained steady between 605-610 ever since then.

    However, I signed up for Credit Karma today and the scores they are showing me from TransUnion and Equifax are WAY higher (685 and 697).

    Why is there such a huge difference?? And which one would be the accurate one?? MySynchrony uses data pulled from TransUnion to calculate the score, so I'm not understanding why the numbers are so different.

  • #2
    Synchrony gives you FICO score while Credit Karma gives you VantageScore 3.0 (some call it FAKO score). These are different credit scoring models, and these scores can be very different. My VantageScores are about 80 points higher than my FICO 8's. From what I know, very few lenders if any really use these VantageScores in their lending decisions. It's a good way to measure your credit rebuilding progress, but if you are planning to apply for any new credit you shouldn't rely on these VantageScores.

    I don't know which bureau(s) Synchrony uses for their free FICO scores. But Discover gives you free monthly TransUnion FICO 8 scores. You can get a free monthly Experian FICO 8 from Discover even if you don't have any credit account with them.


    • #3
      There's no real way to determine who uses "real" FICO scores and who uses some fake FICO score (aka FAKO score). I don't know if your MySynchrony uses a FICO Score 8, or from which bureau the score is generated. I don't believe that Credit Karma scores are FICO scores (the scores that most lenders use), but they may be using another model from another vendor (such as Vantage Score). There are literally tens of scoring models and while most banks even use FICO, they use different versions of FICO. There are also Beacon scores and other custom/private scoring models used by creditors.

      You then have FICO Score 8, FICO Bank Card 8 compared to FICO Score 9 and FICO Bank Card 9. There's also FICO Auto scores. There's also older scoring, which many Credit Unions use, such as FICO Score 2 and FICO Score 4.

      You see... there are just so many. The predominant scoring model today is FICO Score 8. That is what many banks provide with their "free" scores (Discover, Citibank, Capital One, Synchrony are some examples). The "free" score is also typically from TransUnion. You can usually tell the model because those banks disclose the source near the bottom of the page in small print.

      Text on Discover Card's free score...

      FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information use the FICO® Score 8 model. They are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries
      Text on Amazon Prime Store Card free score...

      Your FICO® Score 8 based on TransUnion Data was pulled on 02/08/2018.Synchrony Bank uses FICO® Scores, along with other information, to manage your account.
      Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
      Status: (Auto) Discharged and Closed! 5/10
      Visit My BKForum Blog: justbroke's Blog

      I am not an attorney. Any advice provided is not legal advice.


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