02-14-2021, 09:08 PM
jdc wrote:
Did the discover one, it shows my score is 5 less than my bank (a credit union), but that's still nearly 30 more than CK.
I see the discover one gives you minimal info about accounts, not really enough to be helpful if you were trying to do some troublehooting.
Discover gives you your actual FICO score but does not give a credit report. CK uses Vantage which credit bureaus have come up with as an alternative to the major cred FICO has in the credit score universe and CK gives you access to what is on your credit report. The info is the same as if you went to annualcreditreport.com. The Vantage score is a useful temp check on your credit health even though it isn't your actual FICO.
(btw, we all have more than one FICO but that's another discussion.)