Credit Scores Question....

[Charger12]

So I've been aggressively rebuilding since ch7 discharge back in October 2012. Obtained a Credit One Visa as my first card post ch7 back in November 2012 and it includes the free credit score. Currently about 15k in various credit lines and a 30k auto loan.

 

Anyway, I purchased my actual FICO from Equifax on 12/30/13 which has me at a 650. Today I received an alert from Credit One that my credit score has been updated and I log in and it has me at 643. I know they use Experian for scores but is this a Experian FICO or some other type of internal score? I know the Eq FICO is the one to focus on but I was curious about this one. I'm officially into the garden for 2014, hopefully to get myself into the 700's by the end of 2014 or as close as possible.

 

Side note- I recently went on a Comenity app spree due to the cart trick and obtained HSN for $1500 and Sportsmans Guide Visa for $1500 and Express for $350 all soft pulls. All but the HSN are already reporting.

[moosetracks]

Congrats on the new credit lines

 

Unless a score states that it is a FICO it is some form of a FAKO, There are multiple models of FICO, 49 to be exact so if 2 FICO scores are different based on same CRA with same info on the CR the difference is due to the model being used to create the FICO score.

[Charger12]

Thanks for the info gdale6!