Fico 8 score is 100 points higher than Vantage 3?
I'm having a hard time knowing where my actual score is. I've been using credit karma which I know isnt the best, but it's been sitting at around a 690 for a while. Not surprising since I haven't been making new accounts and I don't have a credit card yet.
My student loan accounts are all under 2 years old and im about to pay off my car loan, which I've had for 3 years. I travel a lot for work now so I'm trying to apply for my first credit card with Delta. When I pulled my Fico 8 from Experian, it's saying my score is 770 and Credit Karma says 690 with Vantage 3. I'm confused because when I bought my car a couple years ago, the credit report from the dealership said my score is 680 which I'd assume is Fico 8.
The only thing thats changed about my credit profile since my student loan accounts got created, is my average account age. Car payments were all made on time but didnt seem to impact my score. I'd expect a small credit increase over time because of my account age and on time payments, so when credit karma shows 680 to 690 over the last couple years, it makes sense. But now the Fico 8 is so much higher. I wouldn't expect it to go up by nearly 100 points just from account age. Getting to a 770 without a credit card doesn't seem possible.
I was just going to apply for the lowest card with Delta since it's free and I expected my score to be in the high 600s, but if Delta is also going to see the 770 in my credit report, I may as well just apply for one of their better cards.